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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 | $136,629 | $96,731+41.2% | $123,973+10.2% | $86,983+57.1% |
| Participation rate | 39.4% | 70.0%-30.7pp | 76.7%-37.3pp | 69.5%-30.2pp |
| Annual return | 12.15% | 17.33%-5.2pp | 388.13%-376.0pp | 25.83%-13.7pp |
| Employer contribution / active EE | $1,431 | $3,297-56.6% | $4,126-65.3% | $2,584-44.6% |
| Participant deferral / active EE | $4,517 | $4,152+8.8% | $5,247-13.9% | $4,194+7.7% |
| Admin fee / account holder | $42,078 | $8,722+382.4% | $11,799+256.6% | $7,856+435.6% |