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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 | $129,154 | $54,541+136.8% | $78,778+63.9% | $70,126+84.2% |
| Participation rate | 65.7% | 60.8%+4.9pp | 69.2%-3.5pp | 69.5%-3.8pp |
| Annual return | 12.52% | 21.07%-8.6pp | 35.62%-23.1pp | 73.15%-60.6pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,794 | $2,210+26.4% | $2,958-5.5% | $3,332-16.1% |
| Admin fee / account holder | $27,610 | $3,709+644.5% | $5,134+437.8% | $4,645+494.3% |