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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 | $152,869 | $81,476+87.6% | $102,383+49.3% | $80,925+88.9% |
| Participation rate | 29.5% | 66.8%-37.3pp | 74.5%-45.0pp | 67.7%-38.1pp |
| Annual return | 12.60% | 25.59%-13.0pp | 24.94%-12.3pp | 35.65%-23.0pp |
| Employer contribution / active EE | $895 | $3,105-71.2% | $3,870-76.9% | $2,756-67.5% |
| Participant deferral / active EE | $2,377 | $3,871-38.6% | $5,060-53.0% | $4,299-44.7% |
| Admin fee / account holder | $15,602 | $6,717+132.3% | $8,391+85.9% | $6,940+124.8% |