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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 | $193,015 | $102,429+88.4% | $147,096+31.2% | $80,925+138.5% |
| Participation rate | 59.7% | 75.9%-16.2pp | 82.2%-22.5pp | 67.7%-8.0pp |
| Annual return | 12.33% | 135.02%-122.7pp | 419.75%-407.4pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,952 | $3,716-47.5% | $4,936-60.5% | $2,756-29.2% |
| Participant deferral / active EE | $5,587 | $6,649-16.0% | $8,071-30.8% | $4,299+30.0% |
| Admin fee / account holder | $44,054 | $7,957+453.7% | $13,005+238.7% | $6,940+534.8% |