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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 | $131,250 | $43,496+201.8% | $161,489-18.7% | $64,340+104.0% |
| Participation rate | 41.9% | 53.5%-11.6pp | 78.7%-36.8pp | 55.2%-13.4pp |
| Annual return | 12.73% | 20.76%-8.0pp | 89.72%-77.0pp | 24.14%-11.4pp |
| Employer contribution / active EE | $1,285 | $1,431-10.2% | $4,268-69.9% | $1,862-31.0% |
| Participant deferral / active EE | $1,787 | $1,996-10.4% | $5,630-68.3% | $2,980-40.0% |
| Admin fee / account holder | $13,670 | $2,330+486.6% | $16,006-14.6% | $3,703+269.2% |