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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 | $157,547 | $54,541+188.9% | $78,778+100.0% | $70,126+124.7% |
| Participation rate | 22.9% | 60.8%-37.9pp | 69.2%-46.3pp | 69.5%-46.7pp |
| Annual return | 14.29% | 21.07%-6.8pp | 35.62%-21.3pp | 73.15%-58.9pp |
| Employer contribution / active EE | $819 | $1,089-24.8% | $1,986-58.8% | $2,343-65.0% |
| Participant deferral / active EE | $3,058 | $2,210+38.3% | $2,958+3.4% | $3,332-8.2% |
| Admin fee / account holder | $638 | $3,709-82.8% | $5,134-87.6% | $4,645-86.3% |