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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 | $136,035 | $43,496+212.8% | $161,489-15.8% | $64,340+111.4% |
| Participation rate | 36.8% | 53.5%-16.7pp | 78.7%-41.9pp | 55.2%-18.4pp |
| Annual return | 19.87% | 20.76%-0.9pp | 89.72%-69.8pp | 24.14%-4.3pp |
| Employer contribution / active EE | $1,672 | $1,431+16.9% | $4,268-60.8% | $1,862-10.2% |
| Participant deferral / active EE | $3,307 | $1,996+65.7% | $5,630-41.3% | $2,980+10.9% |
| Admin fee / account holder | $13,320 | $2,330+471.6% | $16,006-16.8% | $3,703+259.8% |