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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 | $158,522 | $98,766+60.5% | $149,730+5.9% | $79,852+98.5% |
| Participation rate | 57.8% | 75.8%-18.0pp | 82.5%-24.7pp | 69.6%-11.8pp |
| Annual return | 12.41% | 27.43%-15.0pp | 276.70%-264.3pp | 31.72%-19.3pp |
| Employer contribution / active EE | $887 | $3,217-72.4% | $4,645-80.9% | $2,471-64.1% |
| Participant deferral / active EE | $2,707 | $5,681-52.3% | $6,843-60.4% | $3,740-27.6% |
| Admin fee / account holder | $2,373 | $6,052-60.8% | $9,310-74.5% | $5,306-55.3% |