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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 | $108,653 | $78,423+38.5% | $95,964+13.2% | $79,856+36.1% |
| Participation rate | 64.6% | 73.5%-8.9pp | 77.1%-12.5pp | 69.6%-5.0pp |
| Annual return | 17.15% | 19.37%-2.2pp | 91.64%-74.5pp | 31.71%-14.6pp |
| Employer contribution / active EE | $1,339 | $1,945-31.2% | $2,541-47.3% | $2,471-45.8% |
| Participant deferral / active EE | $2,478 | $3,440-28.0% | $4,167-40.5% | $3,741-33.8% |
| Admin fee / account holder | $1,706 | $5,622-69.7% | $6,797-74.9% | $5,306-67.8% |