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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 | $178,480 | $127,790+39.7% | $106,555+67.5% | $167,536+6.5% |
| Participation rate | 44.4% | 78.3%-33.8pp | 76.1%-31.7pp | 82.1%-37.7pp |
| Annual return | 21.45% | 33.88%-12.4pp | 26.80%-5.4pp | 478.82%-457.4pp |
| Employer contribution / active EE | $1,344 | $3,428-60.8% | $2,819-52.3% | $4,839-72.2% |
| Participant deferral / active EE | $4,849 | $5,088-4.7% | $4,399+10.2% | $6,342-23.5% |
| Admin fee / account holder | $8,267 | $11,229-26.4% | $7,408+11.6% | $12,315-32.9% |