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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 | $113,678 | $149,040-23.7% | $120,225-5.4% | $137,256-17.2% |
| Participation rate | 30.8% | 75.4%-44.6pp | 69.6%-38.8pp | 80.0%-49.2pp |
| Annual return | 16.83% | 605.68%-588.9pp | 439.23%-422.4pp | 220.34%-203.5pp |
| Employer contribution / active EE | $1,101 | $4,350-74.7% | $3,475-68.3% | $4,156-73.5% |
| Participant deferral / active EE | $4,290 | $4,655-7.8% | $3,999+7.3% | $6,407-33.0% |
| Admin fee / account holder | $14,482 | $6,348+128.1% | $5,696+154.2% | $12,270+18.0% |