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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 | $171,279 | $315,200-45.7% | $238,191-28.1% | $155,188+10.4% |
| Participation rate | 54.2% | 82.6%-28.4pp | 77.1%-22.9pp | 80.8%-26.6pp |
| Annual return | 12.23% | 10.25%+2.0pp | 13.02%-0.8pp | 148.84%-136.6pp |
| Employer contribution / active EE | $1,691 | $6,383-73.5% | $5,082-66.7% | $4,248-60.2% |
| Participant deferral / active EE | $3,549 | $8,044-55.9% | $6,726-47.2% | $6,531-45.7% |
| Admin fee / account holder | $2,575 | $48,031-94.6% | $34,582-92.6% | $14,480-82.2% |