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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 | $173,393 | $76,834+125.7% | $108,359+60.0% | $87,485+98.2% |
| Participation rate | 47.5% | 61.7%-14.2pp | 70.1%-22.6pp | 68.9%-21.4pp |
| Annual return | 13.51% | 19.09%-5.6pp | 36.89%-23.4pp | 26.06%-12.6pp |
| Employer contribution / active EE | $319 | $1,556-79.5% | $2,399-86.7% | $2,596-87.7% |
| Participant deferral / active EE | $2,866 | $3,100-7.5% | $4,137-30.7% | $4,274-32.9% |
| Admin fee / account holder | $9,291 | $6,537+42.1% | $9,741-4.6% | $7,775+19.5% |