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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 | $170,481 | $88,672+92.3% | $105,223+62.0% | $82,448+106.8% |
| Participation rate | 42.9% | 67.9%-25.1pp | 75.0%-32.2pp | 68.1%-25.2pp |
| Annual return | 16.35% | 30.86%-14.5pp | 180.65%-164.3pp | 41.64%-25.3pp |
| Employer contribution / active EE | $2,056 | $3,048-32.6% | $3,689-44.3% | $2,551-19.4% |
| Participant deferral / active EE | $3,787 | $4,036-6.2% | $5,072-25.3% | $4,139-8.5% |
| Admin fee / account holder | $3,497 | $7,146-51.1% | $8,859-60.5% | $7,234-51.7% |