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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 | $109,513 | $98,240+11.5% | $82,313+33.0% | $147,585-25.8% |
| Participation rate | 40.0% | 79.7%-39.7pp | 76.9%-36.9pp | 82.8%-42.8pp |
| Annual return | 15.63% | 30.85%-15.2pp | 25.88%-10.2pp | 578.58%-563.0pp |
| Employer contribution / active EE | $2,235 | $3,192-30.0% | $2,428-8.0% | $4,876-54.2% |
| Participant deferral / active EE | $3,374 | $4,383-23.0% | $3,706-9.0% | $5,439-38.0% |
| Admin fee / account holder | $38,455 | $8,563+349.1% | $5,608+585.7% | $10,886+253.3% |