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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 | $78,451 | $65,390+20.0% | $169,385-53.7% | $71,495+9.7% |
| Participation rate | 40.4% | 67.0%-26.6pp | 77.2%-36.8pp | 67.9%-27.6pp |
| Annual return | 18.55% | 21.31%-2.8pp | 405.82%-387.3pp | 28.85%-10.3pp |
| Employer contribution / active EE | $1,764 | $2,079-15.1% | $4,012-56.0% | $2,589-31.9% |
| Participant deferral / active EE | $4,259 | $4,367-2.5% | $6,221-31.5% | $4,291-0.7% |
| Admin fee / account holder | $3,706 | $1,324+179.9% | $9,011-58.9% | $1,588+133.4% |