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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 | $172,764 | $63,082+173.9% | $81,726+111.4% | $79,856+116.3% |
| Participation rate | 42.9% | 67.5%-24.7pp | 72.0%-29.1pp | 69.6%-26.8pp |
| Annual return | 10.98% | 22.66%-11.7pp | 29.49%-18.5pp | 31.71%-20.7pp |
| Employer contribution / active EE | $1,643 | $1,795-8.5% | $4,311-61.9% | $2,471-33.5% |
| Participant deferral / active EE | $2,114 | $2,780-24.0% | $7,108-70.3% | $3,741-43.5% |
| Admin fee / account holder | $44,061 | $4,428+895.0% | $5,160+753.9% | $5,306+730.3% |