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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 | $169,235 | $42,546+297.8% | $71,796+135.7% | $55,167+206.8% |
| Participation rate | 46.1% | 59.1%-13.0pp | 69.1%-23.0pp | 69.0%-22.9pp |
| Annual return | 7.09% | 12.36%-5.3pp | 78.04%-70.9pp | 169.23%-162.1pp |
| Employer contribution / active EE | $1,127 | $803+40.3% | $1,924-41.4% | $1,963-42.6% |
| Participant deferral / active EE | $2,499 | $2,064+21.1% | $2,794-10.6% | $3,054-18.2% |
| Admin fee / account holder | $5,294 | $650+715.0% | $4,815+10.0% | $504+950.6% |