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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 | $110,652 | $63,456+74.4% | $100,712+9.9% | $64,097+72.6% |
| Participation rate | 32.1% | 49.7%-17.5pp | 69.3%-37.1pp | 55.2%-23.0pp |
| Annual return | 13.00% | 19.65%-6.6pp | 33.27%-20.3pp | 34.64%-21.6pp |
| Employer contribution / active EE | $179 | $1,003-82.2% | $2,313-92.3% | $1,891-90.6% |
| Participant deferral / active EE | $1,217 | $2,463-50.6% | $4,085-70.2% | $3,080-60.5% |
| Admin fee / account holder | $35,305 | $4,808+634.3% | $9,256+281.4% | $3,454+922.0% |