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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 | $150,512 | $124,314+21.1% | $109,163+37.9% | $167,518-10.2% |
| Participation rate | 43.5% | 79.4%-36.0pp | 75.9%-32.4pp | 82.1%-38.6pp |
| Annual return | 11.51% | 26.04%-14.5pp | 25.75%-14.2pp | 478.71%-467.2pp |
| Employer contribution / active EE | $1,325 | $4,209-68.5% | $3,723-64.4% | $4,838-72.6% |
| Participant deferral / active EE | $4,571 | $5,256-13.0% | $4,654-1.8% | $6,342-27.9% |
| Admin fee / account holder | $35,096 | $7,973+340.2% | $6,754+419.6% | $12,312+185.0% |