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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 | $99,875+44.2% | $146,866-1.9% | $86,983+65.6% |
| Participation rate | 17.6% | 75.8%-58.2pp | 82.5%-64.9pp | 69.5%-52.0pp |
| Annual return | 16.18% | 28.10%-11.9pp | 102.85%-86.7pp | 25.83%-9.7pp |
| Employer contribution / active EE | $634 | $3,224-80.3% | $4,425-85.7% | $2,584-75.5% |
| Participant deferral / active EE | $2,471 | $6,322-60.9% | $7,759-68.2% | $4,194-41.1% |
| Admin fee / account holder | $13,900 | $7,838+77.3% | $13,620+2.1% | $7,856+76.9% |