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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 | $171,232 | $99,345+72.4% | $84,753+102.0% | $273,972-37.5% |
| Participation rate | 58.3% | 80.7%-22.4pp | 76.6%-18.3pp | 83.0%-24.7pp |
| Annual return | 12.35% | 22.93%-10.6pp | 22.78%-10.4pp | 41.46%-29.1pp |
| Employer contribution / active EE | $807 | $4,214-80.9% | $3,574-77.4% | $4,869-83.4% |
| Participant deferral / active EE | $1,303 | $4,270-69.5% | $3,712-64.9% | $5,287-75.4% |
| Admin fee / account holder | $1,720 | $6,645-74.1% | $5,333-67.7% | $10,133-83.0% |