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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 | $150,309 | $157,829-4.8% | $136,867+9.8% | $198,609-24.3% |
| Participation rate | 21.7% | 77.2%-55.4pp | 74.5%-52.8pp | 82.4%-60.6pp |
| Annual return | 17.82% | 51.25%-33.4pp | 42.97%-25.2pp | 202.70%-184.9pp |
| Employer contribution / active EE | $829 | $3,923-78.9% | $3,547-76.6% | $5,055-83.6% |
| Participant deferral / active EE | $2,986 | $5,463-45.3% | $4,924-39.4% | $6,977-57.2% |
| Admin fee / account holder | $3,507 | $11,107-68.4% | $10,340-66.1% | $19,030-81.6% |