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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 | $144,025 | $106,524+35.2% | $152,301-5.4% | $87,485+64.6% |
| Participation rate | 17.6% | 75.8%-58.2pp | 82.4%-64.9pp | 68.9%-51.4pp |
| Annual return | 16.18% | 26.89%-10.7pp | 80.50%-64.3pp | 26.06%-9.9pp |
| Employer contribution / active EE | $634 | $3,371-81.2% | $4,624-86.3% | $2,596-75.6% |
| Participant deferral / active EE | $2,471 | $6,525-62.1% | $8,004-69.1% | $4,274-42.2% |
| Admin fee / account holder | $13,900 | $8,287+67.7% | $14,398-3.5% | $7,775+78.8% |