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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 | $171,466 | $61,125+180.5% | $94,057+82.3% | $87,485+96.0% |
| Participation rate | 32.3% | 64.1%-31.8pp | 73.3%-41.1pp | 68.9%-36.7pp |
| Annual return | 20.27% | 35.20%-14.9pp | 480.62%-460.3pp | 26.06%-5.8pp |
| Employer contribution / active EE | $1,176 | $2,136-45.0% | $2,933-59.9% | $2,596-54.7% |
| Participant deferral / active EE | $3,122 | $3,260-4.2% | $4,709-33.7% | $4,274-26.9% |
| Admin fee / account holder | $9,403 | $5,629+67.1% | $7,244+29.8% | $7,775+20.9% |