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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 | $123,436 | $78,423+57.4% | $95,964+28.6% | $79,856+54.6% |
| Participation rate | 47.9% | 73.5%-25.6pp | 77.1%-29.2pp | 69.6%-21.8pp |
| Annual return | 18.43% | 19.37%-0.9pp | 91.64%-73.2pp | 31.71%-13.3pp |
| Employer contribution / active EE | $675 | $1,945-65.3% | $2,541-73.4% | $2,471-72.7% |
| Participant deferral / active EE | $2,429 | $3,440-29.4% | $4,167-41.7% | $3,741-35.1% |
| Admin fee / account holder | $11,674 | $5,622+107.7% | $6,797+71.8% | $5,306+120.0% |