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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 | $186,239 | $72,273+157.7% | $101,275+83.9% | $79,856+133.2% |
| Participation rate | 55.6% | 68.5%-12.9pp | 75.8%-20.3pp | 69.6%-14.1pp |
| Annual return | 12.50% | 22.30%-9.8pp | 46.48%-34.0pp | 31.71%-19.2pp |
| Employer contribution / active EE | $740 | $2,691-72.5% | $3,660-79.8% | $2,471-70.0% |
| Participant deferral / active EE | $4,486 | $3,282+36.7% | $4,371+2.6% | $3,741+19.9% |
| Admin fee / account holder | $39,246 | $4,401+791.7% | $5,948+559.8% | $5,306+639.6% |