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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 | $171,547 | $72,486+136.7% | $87,103+96.9% | $72,976+135.1% |
| Participation rate | 34.9% | 72.8%-37.9pp | 76.9%-42.0pp | 69.5%-34.6pp |
| Annual return | 17.77% | 24.46%-6.7pp | 28.19%-10.4pp | 81.02%-63.2pp |
| Employer contribution / active EE | $765 | $1,894-59.6% | $2,521-69.7% | $2,440-68.6% |
| Participant deferral / active EE | $3,684 | $3,270+12.7% | $4,049-9.0% | $3,608+2.1% |
| Admin fee / account holder | $40,237 | $5,055+696.1% | $7,491+437.1% | $5,124+685.2% |