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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 | $119,909 | $41,377+189.8% | $109,313+9.7% | $62,881+90.7% |
| Participation rate | 56.8% | 57.5%-0.8pp | 71.3%-14.5pp | 69.3%-12.5pp |
| Annual return | 5.05% | 11.05%-6.0pp | 22.07%-17.0pp | 20.14%-15.1pp |
| Employer contribution / active EE | $926 | $1,276-27.4% | $3,892-76.2% | $2,281-59.4% |
| Participant deferral / active EE | $2,189 | $2,045+7.1% | $3,166-30.9% | $3,203-31.6% |
| Admin fee / account holder | $14,489 | $2,884+402.4% | $5,666+155.7% | $4,296+237.3% |