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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 | $123,868 | $109,372+13.3% | $89,414+38.5% | $158,966-22.1% |
| Participation rate | 50.0% | 74.3%-24.3pp | 68.0%-18.0pp | 82.0%-32.0pp |
| Annual return | 12.13% | 345.55%-333.4pp | 245.50%-233.4pp | 302.95%-290.8pp |
| Employer contribution / active EE | $1,864 | $3,171-41.2% | $2,586-27.9% | $4,762-60.9% |
| Participant deferral / active EE | $3,801 | $4,598-17.3% | $3,890-2.3% | $5,983-36.5% |
| Admin fee / account holder | $4,833 | $6,156-21.5% | $4,883-1.0% | $11,250-57.0% |