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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 | $102,422+88.5% | $147,117+31.2% | $80,959+138.4% |
| Participation rate | 59.7% | 75.9%-16.2pp | 82.2%-22.5pp | 67.7%-8.0pp |
| Annual return | 12.33% | 135.16%-122.8pp | 420.54%-408.2pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,952 | $3,717-47.5% | $4,932-60.4% | $2,757-29.2% |
| Participant deferral / active EE | $5,587 | $6,652-16.0% | $8,065-30.7% | $4,300+29.9% |
| Admin fee / account holder | $44,054 | $7,953+453.9% | $12,993+239.1% | $6,925+536.1% |