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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 | $188,853 | $93,345+102.3% | $119,126+58.5% | $87,485+115.9% |
| Participation rate | 40.0% | 68.7%-28.7pp | 75.8%-35.8pp | 68.9%-28.9pp |
| Annual return | 15.40% | 19.08%-3.7pp | 282.11%-266.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $1,206 | $3,172-62.0% | $4,034-70.1% | $2,596-53.6% |
| Participant deferral / active EE | $3,699 | $4,099-9.8% | $5,318-30.4% | $4,274-13.5% |
| Admin fee / account holder | $2,141 | $8,039-73.4% | $10,693-80.0% | $7,775-72.5% |