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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 | $114,557 | $98,776+16.0% | $149,745-23.5% | $79,856+43.5% |
| Participation rate | 47.5% | 75.8%-28.3pp | 82.5%-35.0pp | 69.6%-22.2pp |
| Annual return | 13.88% | 27.38%-13.5pp | 276.72%-262.8pp | 31.71%-17.8pp |
| Employer contribution / active EE | $1,379 | $3,217-57.1% | $4,646-70.3% | $2,471-44.2% |
| Participant deferral / active EE | $2,560 | $5,681-54.9% | $6,843-62.6% | $3,741-31.5% |
| Admin fee / account holder | $13,635 | $6,053+125.3% | $9,312+46.4% | $5,306+156.9% |