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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 | $180,312 | $102,429+76.0% | $147,096+22.6% | $80,925+122.8% |
| Participation rate | 46.3% | 75.9%-29.6pp | 82.2%-35.9pp | 67.7%-21.4pp |
| Annual return | 13.77% | 135.02%-121.3pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $1,195 | $3,716-67.8% | $4,936-75.8% | $2,756-56.6% |
| Participant deferral / active EE | $2,916 | $6,649-56.1% | $8,071-63.9% | $4,299-32.2% |
| Admin fee / account holder | $6,555 | $7,957-17.6% | $13,005-49.6% | $6,940-5.6% |