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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 | $161,076 | $90,486+78.0% | $78,676+104.7% | $273,972-41.2% |
| Participation rate | 40.9% | 76.5%-35.6pp | 73.6%-32.7pp | 83.0%-42.1pp |
| Annual return | 5.77% | 75.62%-69.9pp | 62.19%-56.4pp | 41.46%-35.7pp |
| Employer contribution / active EE | $1,596 | $3,175-49.7% | $2,850-44.0% | $4,869-67.2% |
| Participant deferral / active EE | $3,683 | $3,901-5.6% | $3,517+4.7% | $5,287-30.3% |
| Admin fee / account holder | $9,391 | $5,263+78.4% | $4,510+108.2% | $10,133-7.3% |