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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 | $145,541 | $54,541+166.8% | $78,778+84.7% | $70,126+107.5% |
| Participation rate | 16.9% | 60.8%-43.9pp | 69.2%-52.3pp | 69.5%-52.7pp |
| Annual return | 18.11% | 21.07%-3.0pp | 35.62%-17.5pp | 73.15%-55.0pp |
| Employer contribution / active EE | $678 | $1,089-37.8% | $1,986-65.9% | $2,343-71.1% |
| Participant deferral / active EE | $1,243 | $2,210-43.8% | $2,958-58.0% | $3,332-62.7% |
| Admin fee / account holder | $4,369 | $3,709+17.8% | $5,134-14.9% | $4,645-5.9% |