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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 | $176,745 | $124,980+41.4% | $108,359+63.1% | $154,746+14.2% |
| Participation rate | 11.1% | 75.2%-64.1pp | 70.1%-59.0pp | 80.7%-69.6pp |
| Annual return | 13.56% | 45.00%-31.4pp | 36.89%-23.3pp | 172.34%-158.8pp |
| Employer contribution / active EE | $1,460 | $2,851-48.8% | $2,399-39.1% | $4,379-66.7% |
| Participant deferral / active EE | $4,551 | $4,743-4.0% | $4,137+10.0% | $6,730-32.4% |
| Admin fee / account holder | $94,835 | $11,502+724.5% | $9,741+873.6% | $14,365+560.2% |