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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 | $107,802 | $80,731+33.5% | $103,378+4.3% | $74,400+44.9% |
| Participation rate | 17.3% | 65.7%-48.4pp | 74.5%-57.2pp | 67.2%-50.0pp |
| Annual return | 15.49% | 27.56%-12.1pp | 24.91%-9.4pp | 1367.51%-1352.0pp |
| Employer contribution / active EE | $857 | $3,159-72.9% | $3,870-77.8% | $2,624-67.3% |
| Participant deferral / active EE | $2,081 | $3,862-46.1% | $5,058-58.9% | $4,348-52.1% |
| Admin fee / account holder | $3,925 | $2,369+65.6% | $8,401-53.3% | $1,944+101.9% |