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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 | $138,674 | $87,132+59.2% | $105,624+31.3% | $80,959+71.3% |
| Participation rate | 56.7% | 70.4%-13.8pp | 75.3%-18.6pp | 67.7%-11.0pp |
| Annual return | 12.48% | 17.03%-4.5pp | 116.20%-103.7pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,067 | $2,397-55.5% | $3,168-66.3% | $2,757-61.3% |
| Participant deferral / active EE | $1,816 | $3,985-54.4% | $5,013-63.8% | $4,300-57.8% |
| Admin fee / account holder | $34,222 | $8,449+305.1% | $10,961+212.2% | $6,925+394.2% |