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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 | $173,634 | $78,423+121.4% | $95,964+80.9% | $79,856+117.4% |
| Participation rate | 44.8% | 73.5%-28.7pp | 77.1%-32.3pp | 69.6%-24.8pp |
| Annual return | 15.15% | 19.37%-4.2pp | 91.64%-76.5pp | 31.71%-16.6pp |
| Employer contribution / active EE | $1,604 | $1,945-17.6% | $2,541-36.9% | $2,471-35.1% |
| Participant deferral / active EE | $4,562 | $3,440+32.6% | $4,167+9.5% | $3,741+22.0% |
| Admin fee / account holder | $17,680 | $5,622+214.5% | $6,797+160.1% | $5,306+233.2% |