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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 | $176,237 | $76,834+129.4% | $108,359+62.6% | $87,485+101.4% |
| Participation rate | 35.9% | 61.7%-25.8pp | 70.1%-34.2pp | 68.9%-33.0pp |
| Annual return | 15.78% | 19.09%-3.3pp | 36.89%-21.1pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,321 | $1,556-15.1% | $2,399-45.0% | $2,596-49.1% |
| Participant deferral / active EE | $2,002 | $3,100-35.4% | $4,137-51.6% | $4,274-53.2% |
| Admin fee / account holder | $20,600 | $6,537+215.1% | $9,741+111.5% | $7,775+165.0% |