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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 | $81,331+97.6% | $155,534+3.3% | $80,935+98.6% |
| Participation rate | 50.0% | 66.3%-16.3pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 12.16% | 33.37%-21.2pp | 64.92%-52.8pp | 35.66%-23.5pp |
| Employer contribution / active EE | $915 | $3,105-70.5% | $4,675-80.4% | $2,757-66.8% |
| Participant deferral / active EE | $3,245 | $3,454-6.0% | $5,630-42.4% | $4,299-24.5% |
| Admin fee / account holder | $15,842 | $7,999+98.0% | $15,900-0.4% | $6,924+128.8% |