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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $177,378 | $85,515+107.4% | $112,040+58.3% | $67,986+160.9% |
| Participation rate | 37.8% | 68.2%-30.5pp | 76.5%-38.7pp | 57.2%-19.4pp |
| Annual return | 13.47% | 29.68%-16.2pp | 24.52%-11.0pp | 31.67%-18.2pp |
| Employer contribution / active EE | $1,955 | $2,191-10.8% | $2,954-33.8% | $2,019-3.2% |
| Participant deferral / active EE | $3,829 | $4,014-4.6% | $5,098-24.9% | $3,358+14.0% |
| Admin fee / account holder | $8,392 | $3,774+122.4% | $12,098-30.6% | $3,203+162.0% |