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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 | $150,838 | $93,345+61.6% | $119,126+26.6% | $87,485+72.4% |
| Participation rate | 43.2% | 68.7%-25.5pp | 75.8%-32.5pp | 68.9%-25.7pp |
| Annual return | 31.03% | 19.08%+11.9pp | 282.11%-251.1pp | 26.06%+5.0pp |
| Employer contribution / active EE | $1,538 | $3,172-51.5% | $4,034-61.9% | $2,596-40.7% |
| Participant deferral / active EE | $3,564 | $4,099-13.0% | $5,318-33.0% | $4,274-16.6% |
| Admin fee / account holder | $11,457 | $8,039+42.5% | $10,693+7.1% | $7,775+47.4% |