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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 | $143,629 | $86,949+65.2% | $102,460+40.2% | $80,959+77.4% |
| Participation rate | 51.0% | 72.4%-21.4pp | 76.5%-25.5pp | 67.7%-16.7pp |
| Annual return | 11.55% | 18.89%-7.3pp | 29.47%-17.9pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,836 | $2,370-22.5% | $3,025-39.3% | $2,757-33.4% |
| Participant deferral / active EE | $5,319 | $4,121+29.1% | $5,056+5.2% | $4,300+23.7% |
| Admin fee / account holder | $19,075 | $8,048+137.0% | $9,460+101.6% | $6,925+175.4% |