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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 | $120,153 | $83,369+44.1% | $105,223+14.2% | $67,986+76.7% |
| Participation rate | 43.9% | 56.3%-12.4pp | 75.0%-31.2pp | 57.2%-13.3pp |
| Annual return | 15.69% | 24.64%-9.0pp | 180.65%-165.0pp | 31.67%-16.0pp |
| Employer contribution / active EE | $1,418 | $2,541-44.2% | $3,689-61.5% | $2,019-29.7% |
| Participant deferral / active EE | $5,247 | $3,295+59.2% | $5,072+3.5% | $3,358+56.3% |
| Admin fee / account holder | $17,157 | $4,073+321.3% | $8,859+93.7% | $3,203+435.6% |