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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 | $114,855 | $78,423+46.5% | $95,964+19.7% | $79,856+43.8% |
| Participation rate | 45.5% | 73.5%-28.0pp | 77.1%-31.6pp | 69.6%-24.2pp |
| Annual return | 10.36% | 19.37%-9.0pp | 91.64%-81.3pp | 31.71%-21.4pp |
| Employer contribution / active EE | $624 | $1,945-67.9% | $2,541-75.5% | $2,471-74.8% |
| Participant deferral / active EE | $2,200 | $3,440-36.1% | $4,167-47.2% | $3,741-41.2% |
| Admin fee / account holder | $16,115 | $5,622+186.7% | $6,797+137.1% | $5,306+203.7% |