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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 | $164,416 | $100,147+64.2% | $81,286+102.3% | $145,877+12.7% |
| Participation rate | 55.6% | 74.2%-18.7pp | 69.5%-14.0pp | 80.3%-24.7pp |
| Annual return | 12.33% | 34.44%-22.1pp | 24.80%-12.5pp | 551.28%-538.9pp |
| Employer contribution / active EE | $1,113 | $2,977-62.6% | $2,463-54.8% | $4,663-76.1% |
| Participant deferral / active EE | $3,730 | $4,607-19.0% | $3,883-4.0% | $6,691-44.3% |
| Admin fee / account holder | $65,149 | $8,201+694.4% | $5,764+1030.3% | $13,402+386.1% |