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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 | $123,345 | $73,978+66.7% | $96,515+27.8% | $75,173+64.1% |
| Participation rate | 48.5% | 66.4%-17.9pp | 74.3%-25.9pp | 67.2%-18.7pp |
| Annual return | 13.79% | 26.72%-12.9pp | 35.73%-21.9pp | 160.72%-146.9pp |
| Employer contribution / active EE | $0 | $2,931-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,222 | $3,660-12.0% | $4,880-34.0% | $4,126-21.9% |
| Admin fee / account holder | $48,306 | $5,219+825.6% | $6,735+617.2% | $5,651+754.9% |