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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 | $119,255 | $70,684+68.7% | $169,397-29.6% | $75,177+58.6% |
| Participation rate | 51.6% | 64.8%-13.2pp | 77.2%-25.6pp | 67.2%-15.6pp |
| Annual return | 16.14% | 36.38%-20.2pp | 406.23%-390.1pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,696 | $2,211-23.3% | $4,013-57.7% | $2,671-36.5% |
| Participant deferral / active EE | $2,953 | $4,310-31.5% | $6,223-52.6% | $4,126-28.4% |
| Admin fee / account holder | $8,015 | $5,404+48.3% | $9,017-11.1% | $5,651+41.8% |