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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 | $192,251 | $70,475+172.8% | $100,530+91.2% | $79,858+140.7% |
| Participation rate | 53.7% | 73.7%-19.9pp | 79.4%-25.7pp | 69.6%-15.9pp |
| Annual return | 22.16% | 21.90%+0.3pp | 30.89%-8.7pp | 31.72%-9.6pp |
| Employer contribution / active EE | $477 | $2,165-77.9% | $3,418-86.0% | $2,471-80.7% |
| Participant deferral / active EE | $5,157 | $5,181-0.5% | $6,271-17.8% | $3,740+37.9% |
| Admin fee / account holder | $589 | $4,478-86.9% | $8,083-92.7% | $5,306-88.9% |