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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 | $167,458 | $98,760+69.6% | $149,715+11.9% | $79,858+109.7% |
| Participation rate | 40.0% | 75.8%-35.8pp | 82.5%-42.5pp | 69.6%-29.6pp |
| Annual return | 25.54% | 27.43%-1.9pp | 276.66%-251.1pp | 31.72%-6.2pp |
| Employer contribution / active EE | $886 | $3,217-72.4% | $4,645-80.9% | $2,471-64.1% |
| Participant deferral / active EE | $4,148 | $5,681-27.0% | $6,842-39.4% | $3,740+10.9% |
| Admin fee / account holder | $1,383 | $6,053-77.2% | $9,310-85.1% | $5,306-73.9% |