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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 | $122,293 | $100,003+22.3% | $146,685-16.6% | $85,856+42.4% |
| Participation rate | 38.2% | 73.1%-34.8pp | 80.1%-41.8pp | 69.3%-31.1pp |
| Annual return | 11.38% | 18.93%-7.6pp | 22.75%-11.4pp | 318.58%-307.2pp |
| Employer contribution / active EE | $786 | $2,559-69.3% | $4,137-81.0% | $2,565-69.4% |
| Participant deferral / active EE | $1,904 | $4,006-52.5% | $5,507-65.4% | $3,952-51.8% |
| Admin fee / account holder | $17,720 | $7,704+130.0% | $10,281+72.4% | $6,261+183.0% |