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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 | $176,586 | $52,678+235.2% | $75,784+133.0% | $59,633+196.1% |
| Participation rate | 48.6% | 67.2%-18.6pp | 75.8%-27.2pp | 68.7%-20.0pp |
| Annual return | -0.03% | 2.95%-3.0pp | 9.68%-9.7pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $3,568 | $2,193+62.6% | $3,323+7.3% | $2,203+62.0% |
| Participant deferral / active EE | $2,604 | $2,591+0.5% | $3,652-28.7% | $3,192-18.4% |
| Admin fee / account holder | $5,715 | $3,610+58.3% | $5,300+7.8% | $4,297+33.0% |