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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 | $60,442+128.9% | $96,754+43.0% | $87,485+58.2% |
| Participation rate | 44.3% | 58.7%-14.4pp | 70.3%-26.0pp | 68.9%-24.7pp |
| Annual return | 18.38% | 21.97%-3.6pp | 82.04%-63.7pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,321 | $1,691-21.9% | $2,679-50.7% | $2,596-49.1% |
| Participant deferral / active EE | $3,325 | $3,280+1.4% | $4,758-30.1% | $4,274-22.2% |
| Admin fee / account holder | $26,354 | $5,069+419.9% | $8,905+196.0% | $7,775+239.0% |