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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 | $169,998 | $96,731+75.7% | $123,973+37.1% | $86,983+95.4% |
| Participation rate | 48.0% | 70.0%-22.0pp | 76.7%-28.7pp | 69.5%-21.5pp |
| Annual return | 13.73% | 17.33%-3.6pp | 388.13%-374.4pp | 25.83%-12.1pp |
| Employer contribution / active EE | $2,224 | $3,297-32.6% | $4,126-46.1% | $2,584-14.0% |
| Participant deferral / active EE | $5,552 | $4,152+33.7% | $5,247+5.8% | $4,194+32.4% |
| Admin fee / account holder | $1,635 | $8,722-81.2% | $11,799-86.1% | $7,856-79.2% |