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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 | $103,832 | $36,948+181.0% | $73,658+41.0% | $87,485+18.7% |
| Participation rate | 13.5% | 46.8%-33.3pp | 57.0%-43.5pp | 68.9%-55.4pp |
| Annual return | 15.13% | 28.64%-13.5pp | 29.72%-14.6pp | 26.06%-10.9pp |
| Employer contribution / active EE | $127 | $670-81.1% | $1,032-87.7% | $2,596-95.1% |
| Participant deferral / active EE | $453 | $1,379-67.1% | $2,062-78.0% | $4,274-89.4% |
| Admin fee / account holder | $9,582 | $2,531+278.6% | $3,357+185.5% | $7,775+23.2% |