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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 | $111,787+54.7% | $93,681+84.6% | $145,978+18.5% |
| Participation rate | 52.6% | 74.2%-21.6pp | 68.7%-16.1pp | 80.3%-27.7pp |
| Annual return | 9.79% | 203.52%-193.7pp | 133.47%-123.7pp | 550.52%-540.7pp |
| Employer contribution / active EE | $1,181 | $3,093-61.8% | $2,422-51.3% | $4,662-74.7% |
| Participant deferral / active EE | $2,343 | $4,918-52.4% | $4,415-46.9% | $6,690-65.0% |
| Admin fee / account holder | $4,870 | $10,256-52.5% | $8,290-41.3% | $13,400-63.7% |