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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 | $103,033 | $183,592-43.9% | $155,574-33.8% | $145,877-29.4% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 8.80% | 61.37%-52.6pp | 64.87%-56.1pp | 551.28%-542.5pp |
| Employer contribution / active EE | $2,168 | $5,317-59.2% | $4,676-53.6% | $4,663-53.5% |
| Participant deferral / active EE | $2,710 | $6,466-58.1% | $5,629-51.9% | $6,691-59.5% |
| Admin fee / account holder | $63,751 | $19,316+230.0% | $15,914+300.6% | $13,402+375.7% |