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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 | $147,855 | $67,411+119.3% | $91,004+62.5% | $70,126+110.8% |
| Participation rate | 53.6% | 71.4%-17.8pp | 75.6%-22.0pp | 69.5%-16.0pp |
| Annual return | 12.74% | -40.16%+52.9pp | 4.60%+8.1pp | 73.15%-60.4pp |
| Employer contribution / active EE | $930 | $1,786-47.9% | $2,456-62.1% | $2,343-60.3% |
| Participant deferral / active EE | $2,220 | $2,823-21.4% | $3,548-37.4% | $3,332-33.4% |
| Admin fee / account holder | $2,248 | $4,236-46.9% | $5,417-58.5% | $4,645-51.6% |