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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 | $115,220 | $29,319+293.0% | $52,425+119.8% | $82,448+39.7% |
| Participation rate | 45.8% | 46.9%-1.0pp | 55.6%-9.8pp | 68.1%-22.2pp |
| Annual return | 15.69% | 535.20%-519.5pp | 302.12%-286.4pp | 41.64%-25.9pp |
| Employer contribution / active EE | $516 | $586-12.0% | $914-43.6% | $2,551-79.8% |
| Participant deferral / active EE | $2,761 | $1,171+135.7% | $1,790+54.2% | $4,139-33.3% |
| Admin fee / account holder | $17,415 | $1,962+787.6% | $2,495+598.0% | $7,234+140.7% |