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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 | $145,816 | $93,346+56.2% | $71,796+103.1% | $273,972-46.8% |
| Participation rate | 58.3% | 76.5%-18.2pp | 69.1%-10.8pp | 83.0%-24.7pp |
| Annual return | 4.95% | 130.39%-125.4pp | 78.04%-73.1pp | 41.46%-36.5pp |
| Employer contribution / active EE | $1,351 | $2,733-50.6% | $1,924-29.8% | $4,869-72.3% |
| Participant deferral / active EE | $2,742 | $3,475-21.1% | $2,794-1.9% | $5,287-48.1% |
| Admin fee / account holder | $45,604 | $6,571+594.1% | $4,815+847.1% | $10,133+350.1% |