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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 | $172,785 | $73,532+135.0% | $178,540-3.2% | $74,459+132.1% |
| Participation rate | 64.4% | 66.6%-2.2pp | 77.1%-12.7pp | 67.2%-2.8pp |
| Annual return | 12.78% | 17.51%-4.7pp | 27.15%-14.4pp | 1369.70%-1356.9pp |
| Employer contribution / active EE | $3,525 | $2,221+58.7% | $3,953-10.8% | $2,626+34.2% |
| Participant deferral / active EE | $5,947 | $4,519+31.6% | $6,281-5.3% | $4,350+36.7% |
| Admin fee / account holder | $3,975 | $1,813+119.3% | $10,424-61.9% | $1,945+104.4% |