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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 | $154,490 | $100,784+53.3% | $191,597-19.4% | $82,637+86.9% |
| Participation rate | 54.2% | 70.5%-16.3pp | 76.9%-22.8pp | 68.1%-13.9pp |
| Annual return | 14.50% | 18.13%-3.6pp | 27.07%-12.6pp | 53.51%-39.0pp |
| Employer contribution / active EE | $2,678 | $3,102-13.6% | $5,025-46.7% | $2,552+4.9% |
| Participant deferral / active EE | $4,439 | $4,937-10.1% | $6,850-35.2% | $4,126+7.6% |
| Admin fee / account holder | $4,642 | $10,062-53.9% | $22,799-79.6% | $7,339-36.8% |