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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 | $160,320 | $106,280+50.8% | $96,538+66.1% | $139,487+14.9% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 12.45% | 38.48%-26.0pp | 35.74%-23.3pp | 373.84%-361.4pp |
| Employer contribution / active EE | $2,340 | $4,107-43.0% | $3,740-37.4% | $4,755-50.8% |
| Participant deferral / active EE | $4,009 | $5,457-26.5% | $4,880-17.9% | $6,713-40.3% |
| Admin fee / account holder | $21,219 | $7,888+169.0% | $6,737+214.9% | $11,407+86.0% |