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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 | $196,645 | $78,705+149.9% | $117,857+66.9% | $70,131+180.4% |
| Participation rate | 53.2% | 73.2%-20.0pp | 79.7%-26.5pp | 69.5%-16.3pp |
| Annual return | 16.02% | 23.30%-7.3pp | 335.09%-319.1pp | 73.14%-57.1pp |
| Employer contribution / active EE | $645 | $2,223-71.0% | $3,786-83.0% | $2,342-72.4% |
| Participant deferral / active EE | $2,878 | $3,297-12.7% | $4,482-35.8% | $3,332-13.6% |
| Admin fee / account holder | $1,381 | $5,065-72.7% | $8,020-82.8% | $4,645-70.3% |