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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 | $129,920 | $65,961+97.0% | $180,320-28.0% | $94,015+38.2% |
| Participation rate | 40.0% | 61.3%-21.3pp | 71.5%-31.5pp | 70.8%-30.8pp |
| Annual return | 13.62% | 14.27%-0.7pp | 778.54%-764.9pp | 17.84%-4.2pp |
| Employer contribution / active EE | $586 | $1,737-66.3% | $4,108-85.7% | $2,790-79.0% |
| Participant deferral / active EE | $2,487 | $3,003-17.2% | $4,304-42.2% | $4,249-41.5% |
| Admin fee / account holder | $13,916 | $4,901+183.9% | $10,000+39.2% | $8,951+55.5% |