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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 | $170,481 | $89,259+91.0% | $107,187+59.0% | $82,637+106.3% |
| Participation rate | 42.9% | 67.9%-25.1pp | 75.0%-32.2pp | 68.1%-25.2pp |
| Annual return | 16.35% | 21.02%-4.7pp | 204.55%-188.2pp | 53.51%-37.2pp |
| Employer contribution / active EE | $2,056 | $3,080-33.3% | $3,782-45.6% | $2,552-19.5% |
| Participant deferral / active EE | $3,787 | $4,037-6.2% | $5,096-25.7% | $4,126-8.2% |
| Admin fee / account holder | $3,497 | $7,381-52.6% | $9,162-61.8% | $7,339-52.3% |