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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 | $79,137 | $62,132+27.4% | $185,827-57.4% | $73,493+7.7% |
| Participation rate | 47.6% | 67.8%-20.2pp | 78.0%-30.5pp | 70.7%-23.1pp |
| Annual return | 15.95% | 20.44%-4.5pp | 35.96%-20.0pp | 28.51%-12.6pp |
| Employer contribution / active EE | $1,477 | $1,681-12.1% | $4,087-63.9% | $2,270-34.9% |
| Participant deferral / active EE | $2,648 | $3,711-28.7% | $5,633-53.0% | $3,740-29.2% |
| Admin fee / account holder | $3,709 | $419+785.8% | $9,502-61.0% | $513+622.9% |