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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 | $168,359 | $72,607+131.9% | $90,259+86.5% | $87,485+92.4% |
| Participation rate | 18.9% | 64.8%-45.9pp | 70.7%-51.9pp | 68.9%-50.1pp |
| Annual return | 16.83% | 18.59%-1.8pp | 18.88%-2.1pp | 26.06%-9.2pp |
| Employer contribution / active EE | $757 | $1,919-60.5% | $2,291-66.9% | $2,596-70.8% |
| Participant deferral / active EE | $2,035 | $3,055-33.4% | $3,827-46.8% | $4,274-52.4% |
| Admin fee / account holder | $1,530 | $5,947-74.3% | $7,267-78.9% | $7,775-80.3% |