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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 | $172,957 | $111,878+54.6% | $93,727+84.5% | $145,897+18.5% |
| Participation rate | 52.6% | 74.2%-21.6pp | 68.7%-16.1pp | 80.3%-27.7pp |
| Annual return | 9.79% | 204.28%-194.5pp | 133.83%-124.0pp | 552.29%-542.5pp |
| Employer contribution / active EE | $1,181 | $3,092-61.8% | $2,421-51.2% | $4,663-74.7% |
| Participant deferral / active EE | $2,343 | $4,920-52.4% | $4,417-47.0% | $6,689-65.0% |
| Admin fee / account holder | $4,870 | $10,256-52.5% | $8,292-41.3% | $13,390-63.6% |