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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 | $56,116+131.5% | $135,768-4.3% | $86,983+49.4% |
| Participation rate | 40.0% | 60.1%-20.1pp | 71.1%-31.1pp | 69.5%-29.5pp |
| Annual return | 13.62% | 125.33%-111.7pp | 526.10%-512.5pp | 25.83%-12.2pp |
| Employer contribution / active EE | $586 | $1,528-61.6% | $3,394-82.7% | $2,584-77.3% |
| Participant deferral / active EE | $2,487 | $2,690-7.6% | $3,977-37.5% | $4,194-40.7% |
| Admin fee / account holder | $13,916 | $4,314+222.6% | $7,048+97.4% | $7,856+77.1% |