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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 | $169,983 | $65,364+160.1% | $92,909+83.0% | $72,975+132.9% |
| Participation rate | 38.7% | 68.3%-29.6pp | 76.0%-37.3pp | 69.5%-30.8pp |
| Annual return | 20.13% | 42.11%-22.0pp | 109.44%-89.3pp | 81.01%-60.9pp |
| Employer contribution / active EE | $1,305 | $2,594-49.7% | $3,653-64.3% | $2,440-46.5% |
| Participant deferral / active EE | $2,881 | $3,128-7.9% | $4,238-32.0% | $3,608-20.1% |
| Admin fee / account holder | $8,135 | $4,251+91.4% | $5,795+40.4% | $5,124+58.8% |