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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 | $151,067 | $73,978+104.2% | $96,515+56.5% | $75,173+101.0% |
| Participation rate | 42.2% | 66.4%-24.3pp | 74.3%-32.2pp | 67.2%-25.0pp |
| Annual return | 13.31% | 26.72%-13.4pp | 35.73%-22.4pp | 160.72%-147.4pp |
| Employer contribution / active EE | $1,084 | $2,931-63.0% | $3,740-71.0% | $2,671-59.4% |
| Participant deferral / active EE | $2,348 | $3,660-35.8% | $4,880-51.9% | $4,126-43.1% |
| Admin fee / account holder | $11,733 | $5,219+124.8% | $6,735+74.2% | $5,651+107.6% |