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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 | $136,714 | $43,496+214.3% | $161,489-15.3% | $64,340+112.5% |
| Participation rate | 37.5% | 53.5%-16.0pp | 78.7%-41.2pp | 55.2%-17.7pp |
| Annual return | 12.10% | 20.76%-8.7pp | 89.72%-77.6pp | 24.14%-12.0pp |
| Employer contribution / active EE | $931 | $1,431-34.9% | $4,268-78.2% | $1,862-50.0% |
| Participant deferral / active EE | $1,958 | $1,996-1.9% | $5,630-65.2% | $2,980-34.3% |
| Admin fee / account holder | $13,928 | $2,330+497.7% | $16,006-13.0% | $3,703+276.2% |