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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 | $157,597 | $55,889+182.0% | $76,119+107.0% | $80,935+94.7% |
| Participation rate | 42.4% | 62.1%-19.7pp | 69.1%-26.7pp | 67.7%-25.3pp |
| Annual return | 13.03% | 20.58%-7.6pp | 361.25%-348.2pp | 35.66%-22.6pp |
| Employer contribution / active EE | $1,018 | $1,866-45.4% | $2,693-62.2% | $2,757-63.1% |
| Participant deferral / active EE | $3,533 | $3,051+15.8% | $4,259-17.0% | $4,299-17.8% |
| Admin fee / account holder | $2,041 | $5,241-61.1% | $6,421-68.2% | $6,924-70.5% |