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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 | $175,453 | $107,368+63.4% | $92,915+88.8% | $152,909+14.7% |
| Participation rate | 45.5% | 79.8%-34.3pp | 76.0%-30.6pp | 82.5%-37.0pp |
| Annual return | 19.77% | 145.64%-125.9pp | 109.45%-89.7pp | 345.46%-325.7pp |
| Employer contribution / active EE | $1,363 | $4,222-67.7% | $3,653-62.7% | $4,764-71.4% |
| Participant deferral / active EE | $6,000 | $4,848+23.8% | $4,238+41.6% | $5,851+2.5% |
| Admin fee / account holder | $16,997 | $7,082+140.0% | $5,796+193.3% | $11,601+46.5% |