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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 | $161,406 | $71,230+126.6% | $93,727+72.2% | $80,959+99.4% |
| Participation rate | 55.6% | 60.4%-4.8pp | 68.7%-13.2pp | 67.7%-12.1pp |
| Annual return | 14.05% | 11.26%+2.8pp | 133.83%-119.8pp | 35.67%-21.6pp |
| Employer contribution / active EE | $407 | $1,565-74.0% | $2,421-83.2% | $2,757-85.2% |
| Participant deferral / active EE | $3,606 | $4,037-10.7% | $4,417-18.4% | $4,300-16.1% |
| Admin fee / account holder | $20,080 | $6,961+188.5% | $8,292+142.2% | $6,925+189.9% |