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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 | $189,762 | $165,939+14.4% | $122,354+55.1% | $147,585+28.6% |
| Participation rate | 60.0% | 79.6%-19.6pp | 71.6%-11.6pp | 82.8%-22.8pp |
| Annual return | 20.45% | 34.56%-14.1pp | 30.28%-9.8pp | 578.58%-558.1pp |
| Employer contribution / active EE | $3,376 | $5,754-41.3% | $4,051-16.7% | $4,876-30.8% |
| Participant deferral / active EE | $7,193 | $4,005+79.6% | $3,287+118.8% | $5,439+32.3% |
| Admin fee / account holder | $503 | $7,425-93.2% | $5,479-90.8% | $10,886-95.4% |