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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 | $188,381 | $108,201+74.1% | $77,498+143.1% | $158,931+18.5% |
| Participation rate | 63.6% | 64.4%-0.8pp | 54.2%+9.5pp | 82.0%-18.3pp |
| Annual return | 18.89% | 31.68%-12.8pp | 54.79%-35.9pp | 302.86%-284.0pp |
| Employer contribution / active EE | $997 | $1,325-24.7% | $987+1.1% | $4,761-79.1% |
| Participant deferral / active EE | $4,342 | $2,457+76.7% | $1,861+133.2% | $5,982-27.4% |
| Admin fee / account holder | $2,169 | $3,709-41.5% | $2,858-24.1% | $11,247-80.7% |