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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 | $124,837 | $88,672+40.8% | $105,223+18.6% | $82,448+51.4% |
| Participation rate | 48.4% | 67.9%-19.5pp | 75.0%-26.7pp | 68.1%-19.7pp |
| Annual return | 14.12% | 30.86%-16.7pp | 180.65%-166.5pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,257 | $3,048-58.8% | $3,689-65.9% | $2,551-50.7% |
| Participant deferral / active EE | $3,205 | $4,036-20.6% | $5,072-36.8% | $4,139-22.6% |
| Admin fee / account holder | $26,794 | $7,146+274.9% | $8,859+202.5% | $7,234+270.4% |