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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 | $117,575 | $44,746+162.8% | $88,179+33.3% | $64,097+83.4% |
| Participation rate | 35.6% | 39.8%-4.2pp | 69.1%-33.5pp | 55.2%-19.6pp |
| Annual return | 17.11% | 24.70%-7.6pp | 64.97%-47.9pp | 34.64%-17.5pp |
| Employer contribution / active EE | $186 | $1,078-82.7% | $2,549-92.7% | $1,891-90.2% |
| Participant deferral / active EE | $1,541 | $2,072-25.6% | $4,614-66.6% | $3,080-50.0% |
| Admin fee / account holder | $4,089 | $3,437+19.0% | $7,673-46.7% | $3,454+18.4% |