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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 | $180,492 | $92,219+95.7% | $76,768+135.1% | $135,379+33.3% |
| Participation rate | 16.7% | 79.8%-63.1pp | 77.0%-60.3pp | 82.6%-66.0pp |
| Annual return | 14.70% | 5.46%+9.2pp | 2.43%+12.3pp | 519.79%-505.1pp |
| Employer contribution / active EE | $1,323 | $3,216-58.9% | $2,485-46.8% | $4,779-72.3% |
| Participant deferral / active EE | $6,000 | $4,508+33.1% | $3,852+55.8% | $5,609+7.0% |
| Admin fee / account holder | $10,931 | $10,749+1.7% | $6,675+63.8% | $10,828+1.0% |