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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 | $151,791 | $60,349+151.5% | $74,184+104.6% | $62,881+141.4% |
| Participation rate | 64.2% | 72.7%-8.6pp | 76.6%-12.5pp | 69.3%-5.2pp |
| Annual return | 7.66% | 21.38%-13.7pp | 17.74%-10.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $667 | $1,680-60.3% | $2,370-71.9% | $2,281-70.8% |
| Participant deferral / active EE | $2,666 | $2,856-6.7% | $3,550-24.9% | $3,203-16.8% |
| Admin fee / account holder | $15,513 | $4,261+264.1% | $5,586+177.7% | $4,296+261.1% |