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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 | $136,145 | $60,349+125.6% | $74,184+83.5% | $62,881+116.5% |
| Participation rate | 8.1% | 72.7%-64.7pp | 76.6%-68.6pp | 69.3%-61.2pp |
| Annual return | 7.86% | 21.38%-13.5pp | 17.74%-9.9pp | 20.14%-12.3pp |
| Employer contribution / active EE | $983 | $1,680-41.5% | $2,370-58.5% | $2,281-56.9% |
| Participant deferral / active EE | $1,696 | $2,856-40.6% | $3,550-52.2% | $3,203-47.1% |
| Admin fee / account holder | $8,902 | $4,261+108.9% | $5,586+59.4% | $4,296+107.2% |