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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 | $162,874 | $110,337+47.6% | $102,383+59.1% | $145,877+11.7% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 12.55% | 24.83%-12.3pp | 24.94%-12.4pp | 551.28%-538.7pp |
| Employer contribution / active EE | $2,080 | $4,216-50.7% | $3,870-46.3% | $4,663-55.4% |
| Participant deferral / active EE | $4,370 | $5,621-22.3% | $5,060-13.6% | $6,691-34.7% |
| Admin fee / account holder | $21,368 | $9,750+119.2% | $8,391+154.6% | $13,402+59.4% |