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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 | $176,887 | $110,410+60.2% | $102,437+72.7% | $145,897+21.2% |
| Participation rate | 41.2% | 77.9%-36.8pp | 74.5%-33.3pp | 80.3%-39.1pp |
| Annual return | 11.90% | 24.85%-12.9pp | 24.95%-13.0pp | 552.29%-540.4pp |
| Employer contribution / active EE | $1,586 | $4,217-62.4% | $3,871-59.0% | $4,663-66.0% |
| Participant deferral / active EE | $4,625 | $5,622-17.7% | $5,060-8.6% | $6,689-30.9% |
| Admin fee / account holder | $5,299 | $9,745-45.6% | $8,388-36.8% | $13,390-60.4% |