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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 | $109,083 | $81,233+34.3% | $155,567-29.9% | $80,874+34.9% |
| Participation rate | 51.1% | 66.2%-15.2pp | 78.2%-27.1pp | 67.6%-16.6pp |
| Annual return | 16.54% | 33.33%-16.8pp | 64.74%-48.2pp | 35.62%-19.1pp |
| Employer contribution / active EE | $1,604 | $3,101-48.3% | $4,674-65.7% | $2,756-41.8% |
| Participant deferral / active EE | $3,932 | $3,452+13.9% | $5,628-30.1% | $4,297-8.5% |
| Admin fee / account holder | $90,055 | $7,998+1026.0% | $15,916+465.8% | $6,935+1198.5% |