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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 | $106,616 | $63,354+68.3% | $94,105+13.3% | $82,637+29.0% |
| Participation rate | 41.2% | 63.8%-22.6pp | 71.9%-30.8pp | 68.1%-26.9pp |
| Annual return | 26.43% | 34.36%-7.9pp | 204.55%-178.1pp | 53.51%-27.1pp |
| Employer contribution / active EE | $1,052 | $1,760-40.2% | $2,504-58.0% | $2,552-58.8% |
| Participant deferral / active EE | $2,674 | $2,873-6.9% | $3,881-31.1% | $4,126-35.2% |
| Admin fee / account holder | $1,331 | $5,073-73.8% | $6,199-78.5% | $7,339-81.9% |