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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 | $227,636 | $77,920+192.1% | $149,723+52.0% | $75,177+202.8% |
| Participation rate | 52.5% | 65.6%-13.1pp | 78.8%-26.3pp | 67.2%-14.7pp |
| Annual return | 15.84% | 31.72%-15.9pp | 134.50%-118.7pp | 160.75%-144.9pp |
| Employer contribution / active EE | $595 | $3,138-81.0% | $4,821-87.7% | $2,671-77.7% |
| Participant deferral / active EE | $6,544 | $3,411+91.8% | $5,682+15.2% | $4,126+58.6% |
| Admin fee / account holder | $4,541 | $5,951-23.7% | $13,215-65.6% | $5,651-19.7% |