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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 | $135,787 | $78,607+72.7% | $105,624+28.6% | $74,478+82.3% |
| Participation rate | 40.2% | 72.8%-32.6pp | 75.3%-35.1pp | 67.2%-27.0pp |
| Annual return | 12.22% | 15.96%-3.7pp | 116.20%-104.0pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $998 | $2,523-60.4% | $3,168-68.5% | $2,626-62.0% |
| Participant deferral / active EE | $2,164 | $4,325-50.0% | $5,013-56.8% | $4,350-50.3% |
| Admin fee / account holder | $4,466 | $2,220+101.2% | $10,961-59.3% | $1,946+129.5% |