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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 | $125,695 | $62,393+101.5% | $120,580+4.2% | $74,478+68.8% |
| Participation rate | 32.1% | 56.8%-24.6pp | 72.0%-39.8pp | 67.2%-35.1pp |
| Annual return | 13.36% | 18.61%-5.3pp | 107.48%-94.1pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $1,463 | $1,845-20.7% | $3,469-57.8% | $2,626-44.3% |
| Participant deferral / active EE | $2,451 | $2,886-15.1% | $4,995-50.9% | $4,350-43.7% |
| Admin fee / account holder | $12,075 | $2,396+403.9% | $9,418+28.2% | $1,946+520.6% |