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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 | $156,452 | $80,983+93.2% | $96,544+62.1% | $75,177+108.1% |
| Participation rate | 32.9% | 71.8%-38.9pp | 76.0%-43.1pp | 67.2%-34.3pp |
| Annual return | 16.48% | 27.05%-10.6pp | 25.88%-9.4pp | 160.75%-144.3pp |
| Employer contribution / active EE | $1,046 | $2,282-54.2% | $2,966-64.7% | $2,671-60.8% |
| Participant deferral / active EE | $2,130 | $3,929-45.8% | $4,851-56.1% | $4,126-48.4% |
| Admin fee / account holder | $27,056 | $6,717+302.8% | $8,254+227.8% | $5,651+378.8% |