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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 | $160,674 | $105,210+52.7% | $159,487+0.7% | $85,851+87.2% |
| Participation rate | 31.5% | 75.8%-44.3pp | 82.8%-51.4pp | 69.3%-37.8pp |
| Annual return | 15.92% | 45.08%-29.2pp | 263.71%-247.8pp | 318.63%-302.7pp |
| Employer contribution / active EE | $1,851 | $3,319-44.2% | $4,831-61.7% | $2,565-27.8% |
| Participant deferral / active EE | $4,027 | $5,946-32.3% | $7,354-45.2% | $3,952+1.9% |
| Admin fee / account holder | $5,878 | $6,934-15.2% | $10,804-45.6% | $6,261-6.1% |