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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 | $149,451 | $98,240+52.1% | $82,312+81.6% | $147,586+1.3% |
| Participation rate | 39.1% | 79.7%-40.6pp | 76.9%-37.8pp | 82.8%-43.7pp |
| Annual return | 12.62% | 30.85%-18.2pp | 25.88%-13.3pp | 578.59%-566.0pp |
| Employer contribution / active EE | $1,672 | $3,192-47.6% | $2,428-31.1% | $4,876-65.7% |
| Participant deferral / active EE | $3,148 | $4,383-28.2% | $3,706-15.1% | $5,439-42.1% |
| Admin fee / account holder | $74,905 | $8,563+774.7% | $5,608+1235.7% | $10,886+588.1% |