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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 | $153,639 | $55,930+174.7% | $76,089+101.9% | $80,925+89.9% |
| Participation rate | 50.0% | 62.1%-12.1pp | 69.1%-19.1pp | 67.7%-17.7pp |
| Annual return | 13.78% | 20.58%-6.8pp | 360.94%-347.2pp | 35.65%-21.9pp |
| Employer contribution / active EE | $1,836 | $1,866-1.6% | $2,690-31.8% | $2,756-33.4% |
| Participant deferral / active EE | $3,908 | $3,051+28.1% | $4,259-8.2% | $4,299-9.1% |
| Admin fee / account holder | $23,847 | $5,241+355.0% | $6,418+271.6% | $6,940+243.6% |