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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 | $105,646 | $73,149+44.4% | $120,580-12.4% | $77,762+35.9% |
| Participation rate | 17.1% | 55.2%-38.1pp | 72.0%-54.9pp | 70.6%-53.5pp |
| Annual return | 12.96% | 18.24%-5.3pp | 107.48%-94.5pp | 31.27%-18.3pp |
| Employer contribution / active EE | $592 | $1,793-67.0% | $3,469-82.9% | $2,728-78.3% |
| Participant deferral / active EE | $1,209 | $3,006-59.8% | $4,995-75.8% | $4,651-74.0% |
| Admin fee / account holder | $2,452 | $660+271.6% | $9,418-74.0% | $433+466.4% |