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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 | $138,617 | $70,418+96.8% | $96,570+43.5% | $85,847+61.5% |
| Participation rate | 28.2% | 61.8%-33.6pp | 69.8%-41.6pp | 69.3%-41.1pp |
| Annual return | 16.22% | 18.59%-2.4pp | 37.79%-21.6pp | 318.61%-302.4pp |
| Employer contribution / active EE | $1,243 | $1,413-12.1% | $2,357-47.3% | $2,565-51.6% |
| Participant deferral / active EE | $2,274 | $2,894-21.4% | $3,849-40.9% | $3,952-42.5% |
| Admin fee / account holder | $20,549 | $4,995+311.4% | $6,182+232.4% | $6,261+228.2% |