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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 | $145,588 | $55,930+160.3% | $76,089+91.3% | $80,925+79.9% |
| Participation rate | 42.1% | 62.1%-19.9pp | 69.1%-27.0pp | 67.7%-25.6pp |
| Annual return | 12.76% | 20.58%-7.8pp | 360.94%-348.2pp | 35.65%-22.9pp |
| Employer contribution / active EE | $1,542 | $1,866-17.4% | $2,690-42.7% | $2,756-44.0% |
| Participant deferral / active EE | $5,265 | $3,051+72.6% | $4,259+23.6% | $4,299+22.5% |
| Admin fee / account holder | $1,160 | $5,241-77.9% | $6,418-81.9% | $6,940-83.3% |