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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 | $148,990 | $76,407+95.0% | $150,298-0.9% | $82,448+80.7% |
| Participation rate | 56.8% | 66.4%-9.6pp | 77.8%-21.0pp | 68.1%-11.3pp |
| Annual return | 14.86% | 39.99%-25.1pp | 62.79%-47.9pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,794 | $2,614-31.4% | $4,154-56.8% | $2,551-29.7% |
| Participant deferral / active EE | $3,556 | $3,214+10.6% | $5,453-34.8% | $4,139-14.1% |
| Admin fee / account holder | $2,267 | $6,352-64.3% | $14,116-83.9% | $7,234-68.7% |