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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 | $173,566 | $106,247+63.4% | $96,515+79.8% | $139,466+24.5% |
| Participation rate | 45.5% | 77.8%-32.4pp | 74.3%-28.9pp | 80.3%-34.9pp |
| Annual return | 15.82% | 38.47%-22.6pp | 35.73%-19.9pp | 373.66%-357.8pp |
| Employer contribution / active EE | $1,744 | $4,106-57.5% | $3,740-53.4% | $4,754-63.3% |
| Participant deferral / active EE | $4,561 | $5,456-16.4% | $4,880-6.5% | $6,712-32.1% |
| Admin fee / account holder | $1,766 | $7,885-77.6% | $6,735-73.8% | $11,409-84.5% |