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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 | $162,192 | $88,672+82.9% | $105,223+54.1% | $82,448+96.7% |
| Participation rate | 51.5% | 67.9%-16.5pp | 75.0%-23.6pp | 68.1%-16.6pp |
| Annual return | 15.01% | 30.86%-15.8pp | 180.65%-165.6pp | 41.64%-26.6pp |
| Employer contribution / active EE | $1,631 | $3,048-46.5% | $3,689-55.8% | $2,551-36.1% |
| Participant deferral / active EE | $4,873 | $4,036+20.8% | $5,072-3.9% | $4,139+17.7% |
| Admin fee / account holder | $4,921 | $7,146-31.1% | $8,859-44.5% | $7,234-32.0% |