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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 | $113,177 | $78,690+43.8% | $161,489-29.9% | $87,485+29.4% |
| Participation rate | 41.9% | 67.5%-25.5pp | 78.7%-36.8pp | 68.9%-27.0pp |
| Annual return | 15.74% | 32.74%-17.0pp | 89.72%-74.0pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,475 | $2,588-43.0% | $4,268-65.4% | $2,596-43.2% |
| Participant deferral / active EE | $3,885 | $3,311+17.3% | $5,630-31.0% | $4,274-9.1% |
| Admin fee / account holder | $2,700 | $6,724-59.8% | $16,006-83.1% | $7,775-65.3% |