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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 | $102,165 | $54,541+87.3% | $78,778+29.7% | $70,126+45.7% |
| Participation rate | 54.7% | 60.8%-6.1pp | 69.2%-14.5pp | 69.5%-14.9pp |
| Annual return | 16.40% | 21.07%-4.7pp | 35.62%-19.2pp | 73.15%-56.7pp |
| Employer contribution / active EE | $484 | $1,089-55.6% | $1,986-75.6% | $2,343-79.3% |
| Participant deferral / active EE | $3,217 | $2,210+45.6% | $2,958+8.8% | $3,332-3.4% |
| Admin fee / account holder | $16,642 | $3,709+348.7% | $5,134+224.2% | $4,645+258.2% |