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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 | $119,821 | $24,891+381.4% | $69,623+72.1% | $74,459+60.9% |
| Participation rate | 45.9% | 63.4%-17.6pp | 66.4%-20.6pp | 67.2%-21.4pp |
| Annual return | 17.51% | 18.53%-1.0pp | 101.23%-83.7pp | 1369.70%-1352.2pp |
| Employer contribution / active EE | $1,660 | $1,005+65.1% | $1,709-2.9% | $2,626-36.8% |
| Participant deferral / active EE | $3,599 | $1,908+88.6% | $2,890+24.6% | $4,350-17.3% |
| Admin fee / account holder | $77,847 | $1,904+3987.8% | $4,696+1557.8% | $1,945+3902.9% |