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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 | $138,375 | $57,590+140.3% | $86,233+60.5% | $82,448+67.8% |
| Participation rate | 44.3% | 57.9%-13.6pp | 69.0%-24.8pp | 68.1%-23.8pp |
| Annual return | 18.38% | 22.41%-4.0pp | 61.39%-43.0pp | 41.64%-23.3pp |
| Employer contribution / active EE | $1,321 | $1,655-20.2% | $2,504-47.3% | $2,551-48.2% |
| Participant deferral / active EE | $3,325 | $3,080+8.0% | $4,559-27.1% | $4,139-19.7% |
| Admin fee / account holder | $26,354 | $4,730+457.1% | $8,342+215.9% | $7,234+264.3% |