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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 | $148,752 | $94,439+57.5% | $73,658+101.9% | $154,746-3.9% |
| Participation rate | 16.7% | 64.7%-48.0pp | 57.0%-40.4pp | 80.7%-64.0pp |
| Annual return | 12.22% | 28.25%-16.0pp | 29.72%-17.5pp | 172.34%-160.1pp |
| Employer contribution / active EE | $593 | $1,257-52.8% | $1,032-42.5% | $4,379-86.5% |
| Participant deferral / active EE | $2,263 | $2,527-10.4% | $2,062+9.8% | $6,730-66.4% |
| Admin fee / account holder | $16,184 | $3,843+321.1% | $3,357+382.2% | $14,365+12.7% |