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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 | $155,305 | $64,890+139.3% | $134,172+15.8% | $67,986+128.4% |
| Participation rate | 34.9% | 48.5%-13.6pp | 72.5%-37.6pp | 57.2%-22.3pp |
| Annual return | 14.58% | 16.12%-1.5pp | 25.30%-10.7pp | 31.67%-17.1pp |
| Employer contribution / active EE | $1,474 | $1,360+8.4% | $3,420-56.9% | $2,019-27.0% |
| Participant deferral / active EE | $2,417 | $2,289+5.6% | $4,690-48.5% | $3,358-28.0% |
| Admin fee / account holder | $7,354 | $3,140+134.2% | $12,016-38.8% | $3,203+129.6% |