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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 | $177,681 | $102,385+73.5% | $147,080+20.8% | $80,935+119.5% |
| Participation rate | 61.8% | 75.9%-14.1pp | 82.2%-20.4pp | 67.7%-5.9pp |
| Annual return | 12.77% | 135.09%-122.3pp | 420.17%-407.4pp | 35.66%-22.9pp |
| Employer contribution / active EE | $1,629 | $3,717-56.2% | $4,933-67.0% | $2,757-40.9% |
| Participant deferral / active EE | $7,010 | $6,651+5.4% | $8,066-13.1% | $4,299+63.0% |
| Admin fee / account holder | $31,287 | $7,951+293.5% | $12,989+140.9% | $6,924+351.8% |