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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 | $185,906 | $115,903+60.4% | $100,528+84.9% | $158,966+16.9% |
| Participation rate | 66.7% | 81.6%-14.9pp | 79.4%-12.8pp | 82.0%-15.3pp |
| Annual return | 21.83% | 34.80%-13.0pp | 30.90%-9.1pp | 302.95%-281.1pp |
| Employer contribution / active EE | $25,000 | $4,105+509.0% | $3,419+631.3% | $4,762+424.9% |
| Participant deferral / active EE | $13,000 | $6,677+94.7% | $6,271+107.3% | $5,983+117.3% |
| Admin fee / account holder | $793 | $11,000-92.8% | $8,084-90.2% | $11,250-93.0% |