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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 | $196,674 | $88,672+121.8% | $105,223+86.9% | $82,448+138.5% |
| Participation rate | 20.8% | 67.9%-47.2pp | 75.0%-54.3pp | 68.1%-47.3pp |
| Annual return | 21.12% | 30.86%-9.7pp | 180.65%-159.5pp | 41.64%-20.5pp |
| Employer contribution / active EE | $1,250 | $3,048-59.0% | $3,689-66.1% | $2,551-51.0% |
| Participant deferral / active EE | $3,335 | $4,036-17.4% | $5,072-34.2% | $4,139-19.4% |
| Admin fee / account holder | $62,670 | $7,146+777.0% | $8,859+607.4% | $7,234+766.3% |