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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 | $106,831 | $55,932+91.0% | $76,735+39.2% | $67,986+57.1% |
| Participation rate | 48.1% | 50.8%-2.7pp | 69.5%-21.4pp | 57.2%-9.1pp |
| Annual return | 15.73% | 23.10%-7.4pp | 29.77%-14.0pp | 31.67%-15.9pp |
| Employer contribution / active EE | $1,256 | $1,487-15.5% | $2,454-48.8% | $2,019-37.8% |
| Participant deferral / active EE | $2,492 | $2,558-2.6% | $4,088-39.0% | $3,358-25.8% |
| Admin fee / account holder | $18,783 | $4,907+282.8% | $7,189+161.3% | $3,203+486.4% |