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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 | $101,149 | $46,599+117.1% | $64,101+57.8% | $75,173+34.6% |
| Participation rate | 16.7% | 65.9%-49.3pp | 72.3%-55.6pp | 67.2%-50.5pp |
| Annual return | 19.47% | 26.06%-6.6pp | 33.72%-14.2pp | 160.72%-141.2pp |
| Employer contribution / active EE | $866 | $1,975-56.1% | $2,749-68.5% | $2,671-67.6% |
| Participant deferral / active EE | $1,754 | $2,837-38.2% | $3,881-54.8% | $4,126-57.5% |
| Admin fee / account holder | $1,274 | $2,956-56.9% | $3,070-58.5% | $5,651-77.4% |