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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 | $220,909 | $51,222+331.3% | $70,544+213.1% | $75,173+193.9% |
| Participation rate | 51.4% | 61.0%-9.5pp | 68.4%-16.9pp | 67.2%-15.8pp |
| Annual return | 19.26% | 30.06%-10.8pp | 32.79%-13.5pp | 160.72%-141.5pp |
| Employer contribution / active EE | $397 | $1,827-78.3% | $2,976-86.7% | $2,671-85.1% |
| Participant deferral / active EE | $2,687 | $2,850-5.7% | $4,568-41.2% | $4,126-34.9% |
| Admin fee / account holder | $5,932 | $4,096+44.8% | $6,427-7.7% | $5,651+5.0% |