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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 | $121,336 | $52,678+130.3% | $75,784+60.1% | $59,633+103.5% |
| Participation rate | 51.7% | 67.2%-15.5pp | 75.8%-24.1pp | 68.7%-16.9pp |
| Annual return | -2.56% | 2.95%-5.5pp | 9.68%-12.2pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $1,198 | $2,193-45.4% | $3,323-64.0% | $2,203-45.6% |
| Participant deferral / active EE | $4,766 | $2,591+84.0% | $3,652+30.5% | $3,192+49.3% |
| Admin fee / account holder | $1,644 | $3,610-54.5% | $5,300-69.0% | $4,297-61.7% |