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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 | $149,866 | $124,351+20.5% | $109,188+37.3% | $167,553-10.6% |
| Participation rate | 44.4% | 79.4%-35.0pp | 75.9%-31.4pp | 82.1%-37.7pp |
| Annual return | 12.52% | 26.04%-13.5pp | 25.76%-13.2pp | 478.89%-466.4pp |
| Employer contribution / active EE | $1,261 | $4,210-70.0% | $3,723-66.1% | $4,840-73.9% |
| Participant deferral / active EE | $4,679 | $5,257-11.0% | $4,654+0.5% | $6,343-26.2% |
| Admin fee / account holder | $53,988 | $7,975+577.0% | $6,755+699.2% | $12,316+338.3% |