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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 | $118,834 | $118,8770% | $96,570+23.1% | $167,536-29.1% |
| Participation rate | 43.5% | 75.5%-32.0pp | 69.8%-26.3pp | 82.1%-38.6pp |
| Annual return | 13.18% | 50.50%-37.3pp | 37.79%-24.6pp | 478.82%-465.6pp |
| Employer contribution / active EE | $1,454 | $3,121-53.4% | $2,357-38.3% | $4,839-69.9% |
| Participant deferral / active EE | $4,180 | $4,617-9.5% | $3,849+8.6% | $6,342-34.1% |
| Admin fee / account holder | $12,628 | $8,069+56.5% | $6,182+104.3% | $12,315+2.5% |