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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 | $36,948+211.8% | $73,658+56.4% | $87,485+31.7% |
| Participation rate | 45.8% | 46.8%-1.0pp | 57.0%-11.2pp | 68.9%-23.1pp |
| Annual return | 15.69% | 28.64%-12.9pp | 29.72%-14.0pp | 26.06%-10.4pp |
| Employer contribution / active EE | $516 | $670-23.0% | $1,032-50.0% | $2,596-80.1% |
| Participant deferral / active EE | $2,761 | $1,379+100.2% | $2,062+33.9% | $4,274-35.4% |
| Admin fee / account holder | $17,415 | $2,531+588.1% | $3,357+418.8% | $7,775+124.0% |