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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 | $94,270 | $46,745+101.7% | $60,547+55.7% | $52,331+80.1% |
| Participation rate | 48.3% | 58.6%-10.3pp | 68.0%-19.7pp | 68.1%-19.8pp |
| Annual return | 2.15% | 0.61%+1.5pp | 335.64%-333.5pp | 4.54%-2.4pp |
| Employer contribution / active EE | $425 | $1,259-66.2% | $2,419-82.4% | $1,882-77.4% |
| Participant deferral / active EE | $2,746 | $2,145+28.0% | $3,328-17.5% | $3,022-9.1% |
| Admin fee / account holder | $23,314 | $537+4242.6% | $4,536+414.0% | $592+3840.9% |