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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 | $153,582 | $99,652+54.1% | $78,778+95.0% | $147,586+4.1% |
| Participation rate | 52.9% | 76.2%-23.3pp | 69.2%-16.2pp | 82.8%-29.9pp |
| Annual return | 16.63% | 47.28%-30.7pp | 35.62%-19.0pp | 578.59%-562.0pp |
| Employer contribution / active EE | $1,670 | $2,796-40.3% | $1,986-15.9% | $4,876-65.8% |
| Participant deferral / active EE | $3,577 | $3,664-2.4% | $2,958+20.9% | $5,439-34.2% |
| Admin fee / account holder | $41,637 | $7,155+481.9% | $5,134+711.0% | $10,886+282.5% |