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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 | $123,971 | $81,487+52.1% | $102,412+21.1% | $80,935+53.2% |
| Participation rate | 48.3% | 66.8%-18.6pp | 74.5%-26.2pp | 67.7%-19.4pp |
| Annual return | 14.47% | 25.60%-11.1pp | 24.94%-10.5pp | 35.66%-21.2pp |
| Employer contribution / active EE | $1,242 | $3,103-60.0% | $3,870-67.9% | $2,757-54.9% |
| Participant deferral / active EE | $3,168 | $3,871-18.2% | $5,060-37.4% | $4,299-26.3% |
| Admin fee / account holder | $16,637 | $6,717+147.7% | $8,388+98.4% | $6,924+140.3% |