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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 | $157,315 | $81,504+93.0% | $102,437+53.6% | $80,959+94.3% |
| Participation rate | 42.9% | 66.9%-24.0pp | 74.5%-31.7pp | 67.7%-24.8pp |
| Annual return | 12.42% | 25.60%-13.2pp | 24.95%-12.5pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,179 | $3,104-62.0% | $3,871-69.5% | $2,757-57.2% |
| Participant deferral / active EE | $2,961 | $3,871-23.5% | $5,060-41.5% | $4,300-31.2% |
| Admin fee / account holder | $39,611 | $6,719+489.5% | $8,388+372.2% | $6,925+472.0% |