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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 | $182,595 | $55,446+229.3% | $155,574+17.4% | $74,429+145.3% |
| Participation rate | 41.5% | 61.9%-20.4pp | 78.2%-36.7pp | 67.2%-25.8pp |
| Annual return | 13.18% | 269.20%-256.0pp | 64.87%-51.7pp | 1368.38%-1355.2pp |
| Employer contribution / active EE | $1,645 | $2,266-27.4% | $4,676-64.8% | $2,625-37.3% |
| Participant deferral / active EE | $3,351 | $2,836+18.2% | $5,629-40.5% | $4,348-22.9% |
| Admin fee / account holder | $14,678 | $1,743+742.1% | $15,914-7.8% | $1,944+654.9% |