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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 | $179,702 | $67,823+165.0% | $52,425+242.8% | $137,256+30.9% |
| Participation rate | 31.6% | 63.9%-32.3pp | 55.6%-24.0pp | 80.0%-48.4pp |
| Annual return | 14.57% | 219.11%-204.5pp | 302.12%-287.5pp | 220.34%-205.8pp |
| Employer contribution / active EE | $665 | $1,163-42.8% | $914-27.3% | $4,156-84.0% |
| Participant deferral / active EE | $5,737 | $2,288+150.7% | $1,790+220.4% | $6,407-10.5% |
| Admin fee / account holder | $3,752 | $2,844+31.9% | $2,495+50.4% | $12,270-69.4% |