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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 | $182,196 | $124,425+46.4% | $112,040+62.6% | $137,256+32.7% |
| Participation rate | 40.0% | 79.3%-39.3pp | 76.5%-36.5pp | 80.0%-40.0pp |
| Annual return | 15.34% | 24.72%-9.4pp | 24.52%-9.2pp | 220.34%-205.0pp |
| Employer contribution / active EE | $1,964 | $3,411-42.4% | $2,954-33.5% | $4,156-52.8% |
| Participant deferral / active EE | $7,021 | $5,718+22.8% | $5,098+37.7% | $6,407+9.6% |
| Admin fee / account holder | $1,612 | $15,207-89.4% | $12,098-86.7% | $12,270-86.9% |