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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 | $178,586 | $73,978+141.4% | $96,515+85.0% | $75,173+137.6% |
| Participation rate | 43.3% | 66.4%-23.1pp | 74.3%-31.0pp | 67.2%-23.9pp |
| Annual return | 41.63% | 26.72%+14.9pp | 35.73%+5.9pp | 160.72%-119.1pp |
| Employer contribution / active EE | $3,345 | $2,931+14.1% | $3,740-10.6% | $2,671+25.2% |
| Participant deferral / active EE | $4,152 | $3,660+13.4% | $4,880-14.9% | $4,126+0.6% |
| Admin fee / account holder | $33,849 | $5,219+548.6% | $6,735+402.6% | $5,651+499.0% |