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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 | $168,067 | $58,258+188.5% | $81,820+105.4% | $80,925+107.7% |
| Participation rate | 58.1% | 63.5%-5.4pp | 72.4%-14.3pp | 67.7%-9.6pp |
| Annual return | 16.92% | 41.76%-24.8pp | 777.93%-761.0pp | 35.65%-18.7pp |
| Employer contribution / active EE | $2,663 | $2,345+13.5% | $2,915-8.7% | $2,756-3.4% |
| Participant deferral / active EE | $4,812 | $3,284+46.5% | $4,323+11.3% | $4,299+11.9% |
| Admin fee / account holder | $2,802 | $4,976-43.7% | $7,391-62.1% | $6,940-59.6% |