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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 | $92,811+66.5% | $238,191-35.1% | $86,983+77.6% |
| Participation rate | 54.2% | 69.3%-15.2pp | 77.1%-22.9pp | 69.5%-15.4pp |
| Annual return | 14.50% | 16.16%-1.7pp | 13.02%+1.5pp | 25.83%-11.3pp |
| Employer contribution / active EE | $2,678 | $2,728-1.8% | $5,082-47.3% | $2,584+3.6% |
| Participant deferral / active EE | $4,439 | $4,479-0.9% | $6,726-34.0% | $4,194+5.9% |
| Admin fee / account holder | $4,642 | $9,177-49.4% | $34,582-86.6% | $7,856-40.9% |