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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 | $119,302 | $88,672+34.5% | $105,223+13.4% | $82,448+44.7% |
| Participation rate | 37.0% | 67.9%-30.9pp | 75.0%-38.0pp | 68.1%-31.0pp |
| Annual return | 18.08% | 30.86%-12.8pp | 180.65%-162.6pp | 41.64%-23.6pp |
| Employer contribution / active EE | $1,449 | $3,048-52.5% | $3,689-60.7% | $2,551-43.2% |
| Participant deferral / active EE | $3,515 | $4,036-12.9% | $5,072-30.7% | $4,139-15.1% |
| Admin fee / account holder | $14,873 | $7,146+108.1% | $8,859+67.9% | $7,234+105.6% |