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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 | $158,201 | $86,332+83.2% | $125,180+26.4% | $65,185+142.7% |
| Participation rate | 32.4% | 75.3%-43.0pp | 79.8%-47.4pp | 70.2%-37.8pp |
| Annual return | 25.39% | 27.43%-2.0pp | 43.79%-18.4pp | 29.38%-4.0pp |
| Employer contribution / active EE | $630 | $2,040-69.1% | $3,866-83.7% | $2,177-71.1% |
| Participant deferral / active EE | $2,577 | $3,537-27.1% | $4,937-47.8% | $3,514-26.7% |
| Admin fee / account holder | $4,193 | $609+588.3% | $9,703-56.8% | $847+394.9% |