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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 | $173,039 | $73,787+134.5% | $98,716+75.3% | $82,448+109.9% |
| Participation rate | 11.1% | 61.4%-50.3pp | 69.3%-58.2pp | 68.1%-57.0pp |
| Annual return | 31.27% | 18.57%+12.7pp | 31.81%-0.5pp | 41.64%-10.4pp |
| Employer contribution / active EE | $344 | $1,511-77.2% | $2,279-84.9% | $2,551-86.5% |
| Participant deferral / active EE | $1,756 | $3,081-43.0% | $4,048-56.6% | $4,139-57.6% |
| Admin fee / account holder | $461 | $6,500-92.9% | $8,703-94.7% | $7,234-93.6% |