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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 | $112,777 | $46,534+142.4% | $64,097+75.9% | $75,177+50.0% |
| Participation rate | 40.7% | 65.9%-25.2pp | 72.3%-31.6pp | 67.2%-26.5pp |
| Annual return | 15.14% | 26.07%-10.9pp | 33.75%-18.6pp | 160.75%-145.6pp |
| Employer contribution / active EE | $1,578 | $1,976-20.1% | $2,750-42.6% | $2,671-40.9% |
| Participant deferral / active EE | $2,980 | $2,835+5.1% | $3,881-23.2% | $4,126-27.8% |
| Admin fee / account holder | $14,096 | $2,957+376.8% | $3,070+359.2% | $5,651+149.4% |