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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 | $167,958 | $67,602+148.5% | $82,312+104.1% | $70,126+139.5% |
| Participation rate | 58.1% | 72.8%-14.7pp | 76.9%-18.8pp | 69.5%-11.5pp |
| Annual return | 18.02% | 21.57%-3.6pp | 25.88%-7.9pp | 73.15%-55.1pp |
| Employer contribution / active EE | $729 | $1,755-58.4% | $2,428-70.0% | $2,343-68.9% |
| Participant deferral / active EE | $2,917 | $2,987-2.4% | $3,706-21.3% | $3,332-12.5% |
| Admin fee / account holder | $17,297 | $4,512+283.4% | $5,608+208.4% | $4,645+272.3% |