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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 | $165,144 | $85,766+92.6% | $136,298+21.2% | $70,126+135.5% |
| Participation rate | 49.1% | 74.2%-25.1pp | 81.9%-32.9pp | 69.5%-20.5pp |
| Annual return | 18.38% | 31.46%-13.1pp | 5156.27%-5137.9pp | 73.15%-54.8pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,679 | $5,051-27.2% | $6,247-41.1% | $3,332+10.4% |
| Admin fee / account holder | $8,892 | $5,421+64.0% | $9,244-3.8% | $4,645+91.4% |