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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 | $64,462+148.7% | $81,482+96.8% | $80,911+98.2% |
| Participation rate | 19.2% | 63.9%-44.7pp | 69.5%-50.3pp | 67.6%-48.4pp |
| Annual return | 11.89% | 16.35%-4.5pp | 24.79%-12.9pp | 35.63%-23.7pp |
| Employer contribution / active EE | $1,164 | $1,979-41.2% | $2,463-52.7% | $2,756-57.8% |
| Participant deferral / active EE | $2,248 | $3,094-27.4% | $3,885-42.1% | $4,297-47.7% |
| Admin fee / account holder | $10,574 | $5,678+86.2% | $5,761+83.5% | $6,935+52.5% |