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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 | $158,686 | $77,962+103.5% | $178,540-11.1% | $80,935+96.1% |
| Participation rate | 47.4% | 65.7%-18.3pp | 77.1%-29.7pp | 67.7%-20.3pp |
| Annual return | 16.33% | 18.10%-1.8pp | 27.15%-10.8pp | 35.66%-19.3pp |
| Employer contribution / active EE | $2,351 | $2,280+3.1% | $3,953-40.5% | $2,757-14.7% |
| Participant deferral / active EE | $7,456 | $4,404+69.3% | $6,281+18.7% | $4,299+73.4% |
| Admin fee / account holder | $14,525 | $7,156+103.0% | $10,424+39.3% | $6,924+109.8% |