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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 | $151,301 | $59,440+154.5% | $78,004+94.0% | $82,637+83.1% |
| Participation rate | 40.0% | 62.8%-22.8pp | 69.4%-29.4pp | 68.1%-28.1pp |
| Annual return | 16.71% | 40.24%-23.5pp | 31.07%-14.4pp | 53.51%-36.8pp |
| Employer contribution / active EE | $811 | $1,750-53.7% | $2,469-67.2% | $2,552-68.2% |
| Participant deferral / active EE | $2,104 | $3,138-33.0% | $4,092-48.6% | $4,126-49.0% |
| Admin fee / account holder | $11,488 | $5,504+108.7% | $7,578+51.6% | $7,339+56.5% |