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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 | $186,610 | $104,650+78.3% | $83,854+122.5% | $155,188+20.2% |
| Participation rate | 6.3% | 65.1%-58.8pp | 59.1%-52.9pp | 80.8%-74.6pp |
| Annual return | 11.59% | 28.97%-17.4pp | 31.39%-19.8pp | 148.84%-137.3pp |
| Employer contribution / active EE | $365 | $1,196-69.5% | $1,017-64.1% | $4,248-91.4% |
| Participant deferral / active EE | $1,038 | $2,367-56.1% | $2,035-49.0% | $6,531-84.1% |
| Admin fee / account holder | $5,082 | $3,518+44.4% | $3,197+59.0% | $14,480-64.9% |