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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 | $163,149 | $73,787+121.1% | $98,716+65.3% | $82,448+97.9% |
| Participation rate | 31.4% | 61.4%-30.0pp | 69.3%-37.9pp | 68.1%-36.6pp |
| Annual return | 13.76% | 18.57%-4.8pp | 31.81%-18.0pp | 41.64%-27.9pp |
| Employer contribution / active EE | $335 | $1,511-77.8% | $2,279-85.3% | $2,551-86.9% |
| Participant deferral / active EE | $1,398 | $3,081-54.6% | $4,048-65.5% | $4,139-66.2% |
| Admin fee / account holder | $31,231 | $6,500+380.5% | $8,703+258.9% | $7,234+331.7% |