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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 | $121,301 | $107,941+12.4% | $91,994+31.9% | $152,909-20.7% |
| Participation rate | 63.6% | 81.2%-17.6pp | 78.6%-15.0pp | 82.5%-18.8pp |
| Annual return | 22.16% | 89.28%-67.1pp | 69.04%-46.9pp | 345.46%-323.3pp |
| Employer contribution / active EE | $1,395 | $4,212-66.9% | $3,453-59.6% | $4,764-70.7% |
| Participant deferral / active EE | $3,222 | $6,366-49.4% | $5,924-45.6% | $5,851-44.9% |
| Admin fee / account holder | $25,573 | $10,521+143.1% | $7,744+230.2% | $11,601+120.4% |