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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 | $180,818 | $85,515+111.4% | $112,040+61.4% | $67,986+166.0% |
| Participation rate | 31.8% | 68.2%-36.4pp | 76.5%-44.7pp | 57.2%-25.4pp |
| Annual return | 14.01% | 29.68%-15.7pp | 24.52%-10.5pp | 31.67%-17.7pp |
| Employer contribution / active EE | $981 | $2,191-55.2% | $2,954-66.8% | $2,019-51.4% |
| Participant deferral / active EE | $2,171 | $4,014-45.9% | $5,098-57.4% | $3,358-35.3% |
| Admin fee / account holder | $9,623 | $3,774+155.0% | $12,098-20.5% | $3,203+200.4% |