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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 | $150,741 | $56,063+168.9% | $76,051+98.2% | $80,911+86.3% |
| Participation rate | 34.6% | 62.0%-27.4pp | 69.1%-34.5pp | 67.6%-33.0pp |
| Annual return | 16.31% | 20.54%-4.2pp | 360.42%-344.1pp | 35.63%-19.3pp |
| Employer contribution / active EE | $707 | $1,874-62.3% | $2,690-73.7% | $2,756-74.4% |
| Participant deferral / active EE | $5,090 | $3,052+66.8% | $4,257+19.6% | $4,297+18.5% |
| Admin fee / account holder | $32,275 | $5,240+515.9% | $6,416+403.0% | $6,935+365.4% |