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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 | $147,463 | $72,492+103.4% | $87,102+69.3% | $72,983+102.1% |
| Participation rate | 40.5% | 72.8%-32.3pp | 76.9%-36.3pp | 69.5%-28.9pp |
| Annual return | 17.52% | 24.46%-6.9pp | 28.19%-10.7pp | 81.01%-63.5pp |
| Employer contribution / active EE | $667 | $1,894-64.8% | $2,521-73.5% | $2,440-72.7% |
| Participant deferral / active EE | $2,354 | $3,270-28.0% | $4,048-41.9% | $3,608-34.8% |
| Admin fee / account holder | $14,402 | $5,055+184.9% | $7,491+92.3% | $5,124+181.1% |