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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 | $152,524 | $103,392+47.5% | $87,104+75.1% | $152,897-0.2% |
| Participation rate | 44.4% | 79.4%-34.9pp | 76.9%-32.4pp | 82.5%-38.0pp |
| Annual return | 16.27% | 28.10%-11.8pp | 28.19%-11.9pp | 345.43%-329.2pp |
| Employer contribution / active EE | $1,611 | $3,221-50.0% | $2,521-36.1% | $4,764-66.2% |
| Participant deferral / active EE | $3,706 | $4,778-22.4% | $4,048-8.4% | $5,851-36.7% |
| Admin fee / account holder | $888 | $12,194-92.7% | $7,491-88.1% | $11,599-92.3% |