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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 | $189,558 | $71,230+166.1% | $93,727+102.2% | $80,959+134.1% |
| Participation rate | 48.4% | 60.4%-12.0pp | 68.7%-20.3pp | 67.7%-19.3pp |
| Annual return | 11.40% | 11.26%+0.1pp | 133.83%-122.4pp | 35.67%-24.3pp |
| Employer contribution / active EE | $834 | $1,565-46.7% | $2,421-65.5% | $2,757-69.7% |
| Participant deferral / active EE | $3,056 | $4,037-24.3% | $4,417-30.8% | $4,300-28.9% |
| Admin fee / account holder | $5,003 | $6,961-28.1% | $8,292-39.7% | $6,925-27.8% |