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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 | $137,915 | $88,672+55.5% | $105,223+31.1% | $82,448+67.3% |
| Participation rate | 44.0% | 67.9%-23.9pp | 75.0%-31.0pp | 68.1%-24.1pp |
| Annual return | 12.85% | 30.86%-18.0pp | 180.65%-167.8pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,170 | $3,048-61.6% | $3,689-68.3% | $2,551-54.2% |
| Participant deferral / active EE | $2,351 | $4,036-41.8% | $5,072-53.7% | $4,139-43.2% |
| Admin fee / account holder | $10,011 | $7,146+40.1% | $8,859+13.0% | $7,234+38.4% |