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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 | $101,269 | $91,760+10.4% | $156,181-35.2% | $67,986+49.0% |
| Participation rate | 39.9% | 65.0%-25.1pp | 78.8%-38.9pp | 57.2%-17.3pp |
| Annual return | 17.89% | 18.14%-0.3pp | 64.87%-47.0pp | 31.67%-13.8pp |
| Employer contribution / active EE | $1,540 | $2,419-36.4% | $4,294-64.1% | $2,019-23.7% |
| Participant deferral / active EE | $3,495 | $3,960-11.7% | $6,132-43.0% | $3,358+4.1% |
| Admin fee / account holder | $18,176 | $3,949+360.3% | $14,586+24.6% | $3,203+467.4% |