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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 | $192,834 | $110,278+74.9% | $95,740+101.4% | $139,466+38.3% |
| Participation rate | 60.0% | 75.7%-15.7pp | 72.3%-12.3pp | 80.3%-20.3pp |
| Annual return | 14.28% | 27.19%-12.9pp | 28.41%-14.1pp | 373.66%-359.4pp |
| Employer contribution / active EE | $2,645 | $3,260-18.9% | $2,836-6.7% | $4,754-44.4% |
| Participant deferral / active EE | $5,575 | $4,674+19.3% | $4,244+31.4% | $6,712-16.9% |
| Admin fee / account holder | $5,613 | $6,613-15.1% | $5,676-1.1% | $11,409-50.8% |