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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 | $142,491 | $81,487+74.9% | $102,412+39.1% | $80,935+76.1% |
| Participation rate | 31.3% | 66.8%-35.6pp | 74.5%-43.3pp | 67.7%-36.4pp |
| Annual return | 16.14% | 25.60%-9.5pp | 24.94%-8.8pp | 35.66%-19.5pp |
| Employer contribution / active EE | $1,314 | $3,103-57.7% | $3,870-66.1% | $2,757-52.3% |
| Participant deferral / active EE | $2,552 | $3,871-34.1% | $5,060-49.6% | $4,299-40.6% |
| Admin fee / account holder | $30,325 | $6,717+351.4% | $8,388+261.5% | $6,924+337.9% |