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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 | $123,398 | $54,380+126.9% | $68,509+80.1% | $59,633+106.9% |
| Participation rate | 61.9% | 70.2%-8.3pp | 74.7%-12.8pp | 68.7%-6.8pp |
| Annual return | 2.20% | 2.83%-0.6pp | 8.27%-6.1pp | 2041.45%-2039.2pp |
| Employer contribution / active EE | $1,094 | $1,539-28.9% | $2,278-52.0% | $2,203-50.3% |
| Participant deferral / active EE | $3,128 | $2,643+18.3% | $3,382-7.5% | $3,192-2.0% |
| Admin fee / account holder | $1,086 | $3,885-72.1% | $5,275-79.4% | $4,297-74.7% |