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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 | $130,836 | $37,428+249.6% | $77,498+68.8% | $79,860+63.8% |
| Participation rate | 22.2% | 41.5%-19.3pp | 54.2%-32.0pp | 69.6%-47.4pp |
| Annual return | 12.66% | 39.71%-27.0pp | 54.79%-42.1pp | 31.72%-19.1pp |
| Employer contribution / active EE | $680 | $637+6.7% | $987-31.1% | $2,471-72.5% |
| Participant deferral / active EE | $1,845 | $1,260+46.4% | $1,861-0.9% | $3,740-50.7% |
| Admin fee / account holder | $57,651 | $2,505+2201.8% | $2,858+1916.9% | $5,306+986.4% |