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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 | $88,672+70.1% | $105,223+43.4% | $82,448+82.9% |
| Participation rate | 43.2% | 67.9%-24.7pp | 75.0%-31.8pp | 68.1%-24.8pp |
| Annual return | 31.03% | 30.86%+0.2pp | 180.65%-149.6pp | 41.64%-10.6pp |
| Employer contribution / active EE | $1,538 | $3,048-49.5% | $3,689-58.3% | $2,551-39.7% |
| Participant deferral / active EE | $3,564 | $4,036-11.7% | $5,072-29.7% | $4,139-13.9% |
| Admin fee / account holder | $11,457 | $7,146+60.3% | $8,859+29.3% | $7,234+58.4% |