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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 | $110,131 | $80,985+36.0% | $96,576+14.0% | $75,181+46.5% |
| Participation rate | 40.4% | 71.8%-31.3pp | 76.0%-35.5pp | 67.2%-26.7pp |
| Annual return | 17.45% | 27.05%-9.6pp | 25.87%-8.4pp | 160.69%-143.2pp |
| Employer contribution / active EE | $1,119 | $2,282-51.0% | $2,965-62.3% | $2,671-58.1% |
| Participant deferral / active EE | $1,885 | $3,929-52.0% | $4,851-61.1% | $4,126-54.3% |
| Admin fee / account holder | $12,277 | $6,719+82.7% | $8,253+48.8% | $5,650+117.3% |