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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 | $143,123 | $69,444+106.1% | $92,985+53.9% | $87,485+63.6% |
| Participation rate | 50.0% | 63.3%-13.3pp | 69.5%-19.5pp | 68.9%-18.9pp |
| Annual return | 14.28% | 23.85%-9.6pp | 27.99%-13.7pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,721 | $1,917-10.2% | $2,662-35.3% | $2,596-33.7% |
| Participant deferral / active EE | $1,993 | $3,364-40.7% | $4,377-54.5% | $4,274-53.4% |
| Admin fee / account holder | $13,006 | $6,137+111.9% | $9,463+37.4% | $7,775+67.3% |