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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 | $121,169 | $77,896+55.6% | $134,172-9.7% | $82,448+47.0% |
| Participation rate | 43.9% | 62.8%-18.8pp | 72.5%-28.5pp | 68.1%-24.1pp |
| Annual return | 13.62% | 18.21%-4.6pp | 25.30%-11.7pp | 41.64%-28.0pp |
| Employer contribution / active EE | $814 | $2,159-62.3% | $3,420-76.2% | $2,551-68.1% |
| Participant deferral / active EE | $1,720 | $3,162-45.6% | $4,690-63.3% | $4,139-58.4% |
| Admin fee / account holder | $15,564 | $6,336+145.6% | $12,016+29.5% | $7,234+115.1% |