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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 | $176,846 | $100,139+76.6% | $85,187+107.6% | $145,884+21.2% |
| Participation rate | 21.4% | 74.1%-52.7pp | 67.5%-46.1pp | 80.3%-58.9pp |
| Annual return | 13.28% | 84.15%-70.9pp | 66.67%-53.4pp | 551.85%-538.6pp |
| Employer contribution / active EE | $1,969 | $3,238-39.2% | $2,732-28.0% | $4,662-57.8% |
| Participant deferral / active EE | $3,361 | $5,296-36.5% | $4,525-25.7% | $6,690-49.8% |
| Admin fee / account holder | $2,747 | $7,262-62.2% | $6,162-55.4% | $13,392-79.5% |