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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 | $172,651 | $110,337+56.5% | $102,383+68.6% | $145,877+18.4% |
| Participation rate | 52.4% | 77.9%-25.6pp | 74.5%-22.1pp | 80.3%-27.9pp |
| Annual return | 20.26% | 24.83%-4.6pp | 24.94%-4.7pp | 551.28%-531.0pp |
| Employer contribution / active EE | $1,254 | $4,216-70.2% | $3,870-67.6% | $4,663-73.1% |
| Participant deferral / active EE | $2,113 | $5,621-62.4% | $5,060-58.2% | $6,691-68.4% |
| Admin fee / account holder | $9,491 | $9,750-2.6% | $8,391+13.1% | $13,402-29.2% |