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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 | $197,146 | $68,681+187.0% | $86,615+127.6% | $85,847+129.6% |
| Participation rate | 37.9% | 66.4%-28.4pp | 71.6%-33.7pp | 69.3%-31.4pp |
| Annual return | 21.78% | 20.12%+1.7pp | 63.51%-41.7pp | 318.61%-296.8pp |
| Employer contribution / active EE | $1,003 | $1,880-46.7% | $2,496-59.8% | $2,565-60.9% |
| Participant deferral / active EE | $3,558 | $2,919+21.9% | $3,699-3.8% | $3,952-10.0% |
| Admin fee / account holder | $52,697 | $5,974+782.1% | $5,830+804.0% | $6,261+741.7% |