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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 | $170,636 | $86,701+96.8% | $73,309+132.8% | $125,389+36.1% |
| Participation rate | 60.0% | 78.6%-18.6pp | 74.9%-14.9pp | 83.2%-23.2pp |
| Annual return | 1.93% | 2.78%-0.9pp | 5.67%-3.7pp | 282.24%-280.3pp |
| Employer contribution / active EE | $2,438 | $4,152-41.3% | $3,237-24.7% | $4,866-49.9% |
| Participant deferral / active EE | $14,400 | $5,549+159.5% | $4,991+188.5% | $5,352+169.1% |
| Admin fee / account holder | $3,011 | $7,768-61.2% | $5,635-46.6% | $9,541-68.4% |