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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 | $155,329 | $70,435+120.5% | $96,575+60.8% | $85,856+80.9% |
| Participation rate | 28.6% | 61.8%-33.2pp | 69.8%-41.2pp | 69.3%-40.7pp |
| Annual return | 17.57% | 18.59%-1.0pp | 37.79%-20.2pp | 318.58%-301.0pp |
| Employer contribution / active EE | $481 | $1,413-66.0% | $2,357-79.6% | $2,565-81.3% |
| Participant deferral / active EE | $3,228 | $2,894+11.5% | $3,849-16.1% | $3,952-18.3% |
| Admin fee / account holder | $1,276 | $4,997-74.5% | $6,182-79.4% | $6,261-79.6% |