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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 | $225,713 | $76,834+193.8% | $108,359+108.3% | $87,485+158.0% |
| Participation rate | 45.5% | 61.7%-16.3pp | 70.1%-24.7pp | 68.9%-23.5pp |
| Annual return | 15.07% | 19.09%-4.0pp | 36.89%-21.8pp | 26.06%-11.0pp |
| Employer contribution / active EE | $619 | $1,556-60.2% | $2,399-74.2% | $2,596-76.1% |
| Participant deferral / active EE | $2,666 | $3,100-14.0% | $4,137-35.6% | $4,274-37.6% |
| Admin fee / account holder | $9,802 | $6,537+49.9% | $9,741+0.6% | $7,775+26.1% |