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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 | $178,515 | $69,590+156.5% | $136,867+30.4% | $94,015+89.9% |
| Participation rate | 20.0% | 66.3%-46.3pp | 74.5%-54.5pp | 70.8%-50.8pp |
| Annual return | 17.20% | 19.62%-2.4pp | 42.97%-25.8pp | 17.84%-0.6pp |
| Employer contribution / active EE | $894 | $2,396-62.7% | $3,547-74.8% | $2,790-68.0% |
| Participant deferral / active EE | $2,157 | $3,437-37.2% | $4,924-56.2% | $4,249-49.2% |
| Admin fee / account holder | $14,372 | $8,912+61.3% | $10,340+39.0% | $8,951+60.6% |