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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 | $193,126 | $112,729+71.3% | $98,716+95.6% | $137,256+40.7% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 15.56% | 38.48%-22.9pp | 31.81%-16.2pp | 220.34%-204.8pp |
| Employer contribution / active EE | $700 | $2,725-74.3% | $2,279-69.3% | $4,156-83.2% |
| Participant deferral / active EE | $15,500 | $4,640+234.0% | $4,048+282.9% | $6,407+141.9% |
| Admin fee / account holder | $2,061 | $10,129-79.7% | $8,703-76.3% | $12,270-83.2% |