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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 | $157,915 | $93,345+69.2% | $119,126+32.6% | $87,485+80.5% |
| Participation rate | 27.9% | 68.7%-40.8pp | 75.8%-47.9pp | 68.9%-41.0pp |
| Annual return | 15.74% | 19.08%-3.3pp | 282.11%-266.4pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,298 | $3,172-59.1% | $4,034-67.8% | $2,596-50.0% |
| Participant deferral / active EE | $2,893 | $4,099-29.4% | $5,318-45.6% | $4,274-32.3% |
| Admin fee / account holder | $29,415 | $8,039+265.9% | $10,693+175.1% | $7,775+278.3% |