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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 | $81,358+97.5% | $155,556+3.3% | $80,959+98.5% |
| Participation rate | 50.0% | 66.3%-16.3pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 12.16% | 33.39%-21.2pp | 64.84%-52.7pp | 35.67%-23.5pp |
| Employer contribution / active EE | $915 | $3,106-70.6% | $4,675-80.4% | $2,757-66.8% |
| Participant deferral / active EE | $3,245 | $3,455-6.1% | $5,631-42.4% | $4,300-24.5% |
| Admin fee / account holder | $15,842 | $7,994+98.2% | $15,885-0.3% | $6,925+128.8% |