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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 | $197,136 | $118,877+65.8% | $96,570+104.1% | $167,536+17.7% |
| Participation rate | 42.9% | 75.5%-32.6pp | 69.8%-27.0pp | 82.1%-39.3pp |
| Annual return | 9.71% | 50.50%-40.8pp | 37.79%-28.1pp | 478.82%-469.1pp |
| Employer contribution / active EE | $1,454 | $3,121-53.4% | $2,357-38.3% | $4,839-70.0% |
| Participant deferral / active EE | $2,885 | $4,617-37.5% | $3,849-25.1% | $6,342-54.5% |
| Admin fee / account holder | $6,571 | $8,069-18.6% | $6,182+6.3% | $12,315-46.6% |