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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 | $67,958 | $45,312+50.0% | $86,233-21.2% | $67,9860% |
| Participation rate | 39.2% | 42.4%-3.2pp | 69.0%-29.8pp | 57.2%-18.0pp |
| Annual return | 17.13% | 24.79%-7.7pp | 61.39%-44.3pp | 31.67%-14.5pp |
| Employer contribution / active EE | $1,016 | $1,160-12.4% | $2,504-59.4% | $2,019-49.7% |
| Participant deferral / active EE | $1,771 | $2,185-18.9% | $4,559-61.2% | $3,358-47.3% |
| Admin fee / account holder | $15,717 | $3,295+377.0% | $8,342+88.4% | $3,203+390.7% |