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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 | $96,731+63.3% | $123,973+27.4% | $86,983+81.5% |
| Participation rate | 27.9% | 70.0%-42.1pp | 76.7%-48.8pp | 69.5%-41.6pp |
| Annual return | 15.74% | 17.33%-1.6pp | 388.13%-372.4pp | 25.83%-10.1pp |
| Employer contribution / active EE | $1,298 | $3,297-60.6% | $4,126-68.5% | $2,584-49.8% |
| Participant deferral / active EE | $2,893 | $4,152-30.3% | $5,247-44.9% | $4,194-31.0% |
| Admin fee / account holder | $29,415 | $8,722+237.2% | $11,799+149.3% | $7,856+274.4% |