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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 | $157,612 | $86,050+83.2% | $189,758-16.9% | $94,015+67.6% |
| Participation rate | 35.8% | 68.9%-33.1pp | 79.8%-43.9pp | 70.8%-35.0pp |
| Annual return | 11.55% | 17.77%-6.2pp | 52.62%-41.1pp | 17.84%-6.3pp |
| Employer contribution / active EE | $498 | $2,819-82.3% | $4,767-89.5% | $2,790-82.1% |
| Participant deferral / active EE | $1,364 | $3,349-59.3% | $5,856-76.7% | $4,249-67.9% |
| Admin fee / account holder | $5,625 | $6,627-15.1% | $20,388-72.4% | $8,951-37.2% |