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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 | $81,276+34.2% | $155,574-29.9% | $80,925+34.8% |
| Participation rate | 51.1% | 66.2%-15.2pp | 78.2%-27.1pp | 67.7%-16.6pp |
| Annual return | 16.54% | 33.36%-16.8pp | 64.87%-48.3pp | 35.65%-19.1pp |
| Employer contribution / active EE | $1,604 | $3,103-48.3% | $4,676-65.7% | $2,756-41.8% |
| Participant deferral / active EE | $3,932 | $3,453+13.9% | $5,629-30.1% | $4,299-8.5% |
| Admin fee / account holder | $90,055 | $7,993+1026.6% | $15,914+465.9% | $6,940+1197.6% |