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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 | $72,471+108.8% | $94,215+60.6% | $86,983+73.9% |
| Participation rate | 40.0% | 63.9%-23.9pp | 70.0%-30.0pp | 69.5%-29.5pp |
| Annual return | 16.71% | 26.44%-9.7pp | 28.22%-11.5pp | 25.83%-9.1pp |
| Employer contribution / active EE | $811 | $1,936-58.1% | $2,675-69.7% | $2,584-68.6% |
| Participant deferral / active EE | $2,104 | $3,397-38.1% | $4,276-50.8% | $4,194-49.8% |
| Admin fee / account holder | $11,488 | $6,468+77.6% | $10,216+12.5% | $7,856+46.2% |