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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 | $118,860 | $78,690+51.0% | $161,489-26.4% | $87,485+35.9% |
| Participation rate | 48.1% | 67.5%-19.3pp | 78.7%-30.5pp | 68.9%-20.8pp |
| Annual return | 18.28% | 32.74%-14.5pp | 89.72%-71.4pp | 26.06%-7.8pp |
| Employer contribution / active EE | $4,323 | $2,588+67.0% | $4,268+1.3% | $2,596+66.5% |
| Participant deferral / active EE | $5,713 | $3,311+72.6% | $5,630+1.5% | $4,274+33.7% |
| Admin fee / account holder | $157,887 | $6,724+2248.3% | $16,006+886.4% | $7,775+1930.8% |