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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 | $151,938 | $88,707+71.3% | $74,184+104.8% | $273,972-44.5% |
| Participation rate | 61.9% | 79.4%-17.5pp | 76.6%-14.7pp | 83.0%-21.1pp |
| Annual return | 6.49% | 11.94%-5.4pp | 17.74%-11.2pp | 41.46%-35.0pp |
| Employer contribution / active EE | $2,189 | $3,159-30.7% | $2,370-7.6% | $4,869-55.0% |
| Participant deferral / active EE | $7,175 | $4,212+70.4% | $3,550+102.1% | $5,287+35.7% |
| Admin fee / account holder | $1,820 | $8,717-79.1% | $5,586-67.4% | $10,133-82.0% |