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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 | $238,996 | $73,787+223.9% | $98,716+142.1% | $82,448+189.9% |
| Participation rate | 38.5% | 61.4%-22.9pp | 69.3%-30.8pp | 68.1%-29.6pp |
| Annual return | 16.41% | 18.57%-2.2pp | 31.81%-15.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $591 | $1,511-60.9% | $2,279-74.1% | $2,551-76.8% |
| Participant deferral / active EE | $4,303 | $3,081+39.6% | $4,048+6.3% | $4,139+4.0% |
| Admin fee / account holder | $1,034 | $6,500-84.1% | $8,703-88.1% | $7,234-85.7% |