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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 | $159,206 | $201,372-20.9% | $184,260-13.6% | $145,884+9.1% |
| Participation rate | 57.1% | 87.5%-30.3pp | 86.8%-29.7pp | 80.3%-23.2pp |
| Annual return | 15.14% | 29.04%-13.9pp | 28.84%-13.7pp | 551.85%-536.7pp |
| Employer contribution / active EE | $2,339 | $7,024-66.7% | $6,427-63.6% | $4,662-49.8% |
| Participant deferral / active EE | $8,816 | $9,808-10.1% | $9,133-3.5% | $6,690+31.8% |
| Admin fee / account holder | $12,547 | $16,362-23.3% | $13,898-9.7% | $13,392-6.3% |