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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 | $209,414 | $93,345+124.3% | $119,126+75.8% | $87,485+139.4% |
| Participation rate | 38.9% | 68.7%-29.8pp | 75.8%-36.9pp | 68.9%-30.0pp |
| Annual return | 14.75% | 19.08%-4.3pp | 282.11%-267.4pp | 26.06%-11.3pp |
| Employer contribution / active EE | $1,176 | $3,172-62.9% | $4,034-70.9% | $2,596-54.7% |
| Participant deferral / active EE | $2,928 | $4,099-28.6% | $5,318-44.9% | $4,274-31.5% |
| Admin fee / account holder | $57,243 | $8,039+612.1% | $10,693+435.3% | $7,775+636.3% |