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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 | $160,705 | $81,276+97.7% | $155,574+3.3% | $80,925+98.6% |
| Participation rate | 50.0% | 66.2%-16.2pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 12.16% | 33.36%-21.2pp | 64.87%-52.7pp | 35.65%-23.5pp |
| Employer contribution / active EE | $915 | $3,103-70.5% | $4,676-80.4% | $2,756-66.8% |
| Participant deferral / active EE | $3,245 | $3,453-6.0% | $5,629-42.3% | $4,299-24.5% |
| Admin fee / account holder | $15,842 | $7,993+98.2% | $15,914-0.5% | $6,940+128.3% |