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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 | $137,363 | $78,423+75.2% | $95,964+43.1% | $79,856+72.0% |
| Participation rate | 65.2% | 73.5%-8.3pp | 77.1%-11.9pp | 69.6%-4.4pp |
| Annual return | 14.28% | 19.37%-5.1pp | 91.64%-77.4pp | 31.71%-17.4pp |
| Employer contribution / active EE | $1,294 | $1,945-33.5% | $2,541-49.1% | $2,471-47.6% |
| Participant deferral / active EE | $3,506 | $3,440+1.9% | $4,167-15.9% | $3,741-6.3% |
| Admin fee / account holder | $18,586 | $5,622+230.6% | $6,797+173.4% | $5,306+250.3% |