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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 | $145,209 | $104,650+38.8% | $83,854+73.2% | $155,188-6.4% |
| Participation rate | 20.0% | 65.1%-45.1pp | 59.1%-39.1pp | 80.8%-60.8pp |
| Annual return | 2.96% | 28.97%-26.0pp | 31.39%-28.4pp | 148.84%-145.9pp |
| Employer contribution / active EE | $57 | $1,196-95.2% | $1,017-94.4% | $4,248-98.7% |
| Participant deferral / active EE | $1,124 | $2,367-52.5% | $2,035-44.7% | $6,531-82.8% |
| Admin fee / account holder | $4,377 | $3,518+24.4% | $3,197+36.9% | $14,480-69.8% |