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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 | $118,264 | $64,728+82.7% | $147,027-19.6% | $64,728+82.7% |
| Participation rate | 18.2% | 57.9%-39.7pp | 73.7%-55.5pp | 57.9%-39.7pp |
| Annual return | 16.33% | 49.38%-33.1pp | 20.23%-3.9pp | 49.38%-33.1pp |
| Employer contribution / active EE | $772 | $2,243-65.6% | $3,626-78.7% | $2,243-65.6% |
| Participant deferral / active EE | $1,019 | $2,729-62.7% | $4,933-79.3% | $2,729-62.7% |
| Admin fee / account holder | $7,716 | $1,145+573.8% | $12,223-36.9% | $1,145+573.8% |