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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 | $180,275 | $93,617+92.6% | $135,982+32.6% | $75,177+139.8% |
| Participation rate | 67.5% | 75.2%-7.7pp | 81.9%-14.4pp | 67.2%+0.3pp |
| Annual return | 18.52% | 30.89%-12.4pp | 68.32%-49.8pp | 160.75%-142.2pp |
| Employer contribution / active EE | $2,937 | $3,538-17.0% | $4,859-39.6% | $2,671+9.9% |
| Participant deferral / active EE | $7,410 | $6,406+15.7% | $7,760-4.5% | $4,126+79.6% |
| Admin fee / account holder | $21,629 | $6,980+209.9% | $10,767+100.9% | $5,651+282.7% |