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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 | $74,535+202.8% | $100,712+124.1% | $82,637+173.1% |
| Participation rate | 45.5% | 61.2%-15.7pp | 69.3%-23.8pp | 68.1%-22.6pp |
| Annual return | 15.07% | 18.92%-3.9pp | 33.27%-18.2pp | 53.51%-38.4pp |
| Employer contribution / active EE | $619 | $1,503-58.8% | $2,313-73.2% | $2,552-75.7% |
| Participant deferral / active EE | $2,666 | $3,074-13.3% | $4,085-34.7% | $4,126-35.4% |
| Admin fee / account holder | $9,802 | $6,576+49.1% | $9,256+5.9% | $7,339+33.6% |