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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 | $185,902 | $97,648+90.4% | $121,663+52.8% | $87,485+112.5% |
| Participation rate | 56.3% | 70.5%-14.2pp | 74.5%-18.2pp | 68.9%-12.7pp |
| Annual return | 13.16% | 18.03%-4.9pp | 147.54%-134.4pp | 26.06%-12.9pp |
| Employer contribution / active EE | $2,947 | $2,300+28.1% | $3,020-2.4% | $2,596+13.5% |
| Participant deferral / active EE | $5,401 | $3,923+37.7% | $4,887+10.5% | $4,274+26.4% |
| Admin fee / account holder | $22,534 | $11,100+103.0% | $14,289+57.7% | $7,775+189.8% |