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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 | $176,899 | $102,385+72.8% | $147,080+20.3% | $80,935+118.6% |
| Participation rate | 63.0% | 75.9%-12.9pp | 82.2%-19.2pp | 67.7%-4.7pp |
| Annual return | 13.97% | 135.09%-121.1pp | 420.17%-406.2pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,681 | $3,717-27.9% | $4,933-45.7% | $2,757-2.7% |
| Participant deferral / active EE | $6,875 | $6,651+3.4% | $8,066-14.8% | $4,299+59.9% |
| Admin fee / account holder | $3,661 | $7,951-54.0% | $12,989-71.8% | $6,924-47.1% |