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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 | $120,639 | $175,231-31.2% | $149,696-19.4% | $139,466-13.5% |
| Participation rate | 37.5% | 83.4%-45.9pp | 78.8%-41.3pp | 80.3%-42.8pp |
| Annual return | 12.10% | 166.77%-154.7pp | 134.46%-122.4pp | 373.66%-361.6pp |
| Employer contribution / active EE | $1,666 | $5,478-69.6% | $4,821-65.4% | $4,754-65.0% |
| Participant deferral / active EE | $3,964 | $6,521-39.2% | $5,682-30.2% | $6,712-40.9% |
| Admin fee / account holder | $34,315 | $16,155+112.4% | $13,212+159.7% | $11,409+200.8% |