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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 | $142,301 | $52,279+172.2% | $89,435+59.1% | $79,856+78.2% |
| Participation rate | 17.0% | 57.5%-40.6pp | 68.0%-51.0pp | 69.6%-52.7pp |
| Annual return | 19.59% | 22.16%-2.6pp | 245.55%-226.0pp | 31.71%-12.1pp |
| Employer contribution / active EE | $583 | $1,572-62.9% | $2,587-77.5% | $2,471-76.4% |
| Participant deferral / active EE | $1,706 | $2,740-37.8% | $3,890-56.2% | $3,741-54.4% |
| Admin fee / account holder | $547 | $3,356-83.7% | $4,884-88.8% | $5,306-89.7% |