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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 | $168,408 | $72,269+133.0% | $101,271+66.3% | $79,852+110.9% |
| Participation rate | 60.0% | 68.5%-8.5pp | 75.8%-15.8pp | 69.6%-9.6pp |
| Annual return | 19.31% | 22.29%-3.0pp | 46.48%-27.2pp | 31.72%-12.4pp |
| Employer contribution / active EE | $1,849 | $2,692-31.3% | $3,660-49.5% | $2,471-25.2% |
| Participant deferral / active EE | $2,908 | $3,282-11.4% | $4,371-33.5% | $3,740-22.3% |
| Admin fee / account holder | $18,713 | $4,401+325.2% | $5,948+214.6% | $5,306+252.7% |