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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 | $160,340 | $63,845+151.1% | $81,370+97.1% | $80,959+98.1% |
| Participation rate | 19.2% | 63.9%-44.6pp | 69.5%-50.3pp | 67.7%-48.4pp |
| Annual return | 11.89% | 16.37%-4.5pp | 24.85%-13.0pp | 35.67%-23.8pp |
| Employer contribution / active EE | $1,164 | $1,980-41.2% | $2,464-52.8% | $2,757-57.8% |
| Participant deferral / active EE | $2,248 | $3,093-27.3% | $3,885-42.1% | $4,300-47.7% |
| Admin fee / account holder | $10,574 | $5,688+85.9% | $5,749+83.9% | $6,925+52.7% |