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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 | $154,517 | $76,407+102.2% | $150,298+2.8% | $82,448+87.4% |
| Participation rate | 54.0% | 66.4%-12.4pp | 77.8%-23.8pp | 68.1%-14.1pp |
| Annual return | 17.24% | 39.99%-22.8pp | 62.79%-45.5pp | 41.64%-24.4pp |
| Employer contribution / active EE | $610 | $2,614-76.7% | $4,154-85.3% | $2,551-76.1% |
| Participant deferral / active EE | $3,421 | $3,214+6.4% | $5,453-37.3% | $4,139-17.4% |
| Admin fee / account holder | $3,692 | $6,352-41.9% | $14,116-73.8% | $7,234-49.0% |