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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 | $135,733 | $102,385+32.6% | $147,080-7.7% | $80,935+67.7% |
| Participation rate | 50.5% | 75.9%-25.3pp | 82.2%-31.6pp | 67.7%-17.1pp |
| Annual return | 17.54% | 135.09%-117.6pp | 420.17%-402.6pp | 35.66%-18.1pp |
| Employer contribution / active EE | $1,038 | $3,717-72.1% | $4,933-79.0% | $2,757-62.4% |
| Participant deferral / active EE | $5,081 | $6,651-23.6% | $8,066-37.0% | $4,299+18.2% |
| Admin fee / account holder | $17,766 | $7,951+123.4% | $12,989+36.8% | $6,924+156.6% |