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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 | $186,116 | $58,099+220.3% | $76,872+142.1% | $75,173+147.6% |
| Participation rate | 51.0% | 63.9%-12.9pp | 69.6%-18.6pp | 67.2%-16.2pp |
| Annual return | 19.21% | 26.71%-7.5pp | 37.90%-18.7pp | 160.72%-141.5pp |
| Employer contribution / active EE | $707 | $1,996-64.6% | $2,533-72.1% | $2,671-73.5% |
| Participant deferral / active EE | $3,108 | $2,999+3.6% | $3,832-18.9% | $4,126-24.7% |
| Admin fee / account holder | $5,088 | $4,778+6.5% | $5,476-7.1% | $5,651-10.0% |