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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 | $127,225 | $51,642+146.4% | $129,384-1.7% | $80,935+57.2% |
| Participation rate | 39.4% | 56.9%-17.5pp | 69.6%-30.2pp | 67.7%-28.2pp |
| Annual return | 11.39% | 20.78%-9.4pp | 9461.77%-9450.4pp | 35.66%-24.3pp |
| Employer contribution / active EE | $1,667 | $1,583+5.3% | $4,153-59.9% | $2,757-39.5% |
| Participant deferral / active EE | $4,516 | $2,670+69.2% | $4,166+8.4% | $4,299+5.0% |
| Admin fee / account holder | $1,595 | $4,312-63.0% | $7,686-79.2% | $6,924-77.0% |