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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 | $176,069 | $85,060+107.0% | $70,565+149.5% | $139,487+26.2% |
| Participation rate | 50.0% | 73.9%-23.9pp | 68.4%-18.4pp | 80.3%-30.3pp |
| Annual return | 18.76% | 30.39%-11.6pp | 32.79%-14.0pp | 373.84%-355.1pp |
| Employer contribution / active EE | $3,595 | $3,912-8.1% | $2,976+20.8% | $4,755-24.4% |
| Participant deferral / active EE | $4,705 | $5,891-20.1% | $4,568+3.0% | $6,713-29.9% |
| Admin fee / account holder | $19,303 | $8,932+116.1% | $6,430+200.2% | $11,407+69.2% |