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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 | $150,819 | $61,816+144.0% | $97,260+55.1% | $80,935+86.3% |
| Participation rate | 31.7% | 63.5%-31.8pp | 72.7%-41.0pp | 67.7%-36.0pp |
| Annual return | 12.60% | -558.73%+571.3pp | 75.54%-62.9pp | 35.66%-23.1pp |
| Employer contribution / active EE | $498 | $1,836-72.9% | $2,721-81.7% | $2,757-81.9% |
| Participant deferral / active EE | $1,822 | $3,027-39.8% | $4,262-57.2% | $4,299-57.6% |
| Admin fee / account holder | $9,862 | $5,166+90.9% | $5,640+74.9% | $6,924+42.4% |