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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 | $142,417 | $81,487+74.8% | $102,412+39.1% | $80,935+76.0% |
| Participation rate | 41.9% | 66.8%-25.0pp | 74.5%-32.6pp | 67.7%-25.8pp |
| Annual return | 13.19% | 25.60%-12.4pp | 24.94%-11.7pp | 35.66%-22.5pp |
| Employer contribution / active EE | $2,036 | $3,103-34.4% | $3,870-47.4% | $2,757-26.1% |
| Participant deferral / active EE | $3,472 | $3,871-10.3% | $5,060-31.4% | $4,299-19.2% |
| Admin fee / account holder | $20,896 | $6,717+211.1% | $8,388+149.1% | $6,924+201.8% |