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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 | $128,535 | $47,848+168.6% | $81,473+57.8% | $70,126+83.3% |
| Participation rate | 31.3% | 58.3%-27.0pp | 68.0%-36.7pp | 69.5%-38.3pp |
| Annual return | 13.81% | 27.25%-13.4pp | 38.78%-25.0pp | 73.15%-59.3pp |
| Employer contribution / active EE | $774 | $1,527-49.3% | $2,568-69.9% | $2,343-67.0% |
| Participant deferral / active EE | $2,156 | $2,453-12.1% | $3,537-39.0% | $3,332-35.3% |
| Admin fee / account holder | $14,705 | $3,145+367.6% | $4,561+222.4% | $4,645+216.6% |