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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 | $165,278 | $76,407+116.3% | $150,298+10.0% | $82,448+100.5% |
| Participation rate | 26.2% | 66.4%-40.2pp | 77.8%-51.6pp | 68.1%-41.9pp |
| Annual return | 15.50% | 39.99%-24.5pp | 62.79%-47.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $701 | $2,614-73.2% | $4,154-83.1% | $2,551-72.5% |
| Participant deferral / active EE | $1,909 | $3,214-40.6% | $5,453-65.0% | $4,139-53.9% |
| Admin fee / account holder | $446 | $6,352-93.0% | $14,116-96.8% | $7,234-93.8% |