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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 | $164,966 | $39,028+322.7% | $80,741+104.3% | $85,847+92.2% |
| Participation rate | 43.5% | 41.6%+2.0pp | 54.2%-10.6pp | 69.3%-25.8pp |
| Annual return | 12.96% | 26.31%-13.3pp | 87.30%-74.3pp | 318.61%-305.6pp |
| Employer contribution / active EE | $827 | $722+14.4% | $1,160-28.8% | $2,565-67.8% |
| Participant deferral / active EE | $1,054 | $1,326-20.5% | $2,145-50.9% | $3,952-73.3% |
| Admin fee / account holder | $45,347 | $2,429+1766.9% | $3,380+1241.5% | $6,261+624.3% |