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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 | $156,451 | $78,670+98.9% | $109,173+43.3% | $85,847+82.2% |
| Participation rate | 55.4% | 68.3%-12.9pp | 75.9%-20.5pp | 69.3%-13.9pp |
| Annual return | 20.91% | 25.09%-4.2pp | 25.75%-4.8pp | 318.61%-297.7pp |
| Employer contribution / active EE | $1,393 | $2,734-49.1% | $3,723-62.6% | $2,565-45.7% |
| Participant deferral / active EE | $3,063 | $3,467-11.7% | $4,654-34.2% | $3,952-22.5% |
| Admin fee / account holder | $17,604 | $5,469+221.9% | $6,755+160.6% | $6,261+181.2% |