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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 | $177,094 | $81,358+117.7% | $155,556+13.8% | $80,959+118.7% |
| Participation rate | 63.9% | 66.3%-2.4pp | 78.2%-14.3pp | 67.7%-3.8pp |
| Annual return | 13.82% | 33.39%-19.6pp | 64.84%-51.0pp | 35.67%-21.8pp |
| Employer contribution / active EE | $2,673 | $3,106-13.9% | $4,675-42.8% | $2,757-3.0% |
| Participant deferral / active EE | $4,599 | $3,455+33.1% | $5,631-18.3% | $4,300+6.9% |
| Admin fee / account holder | $81,673 | $7,994+921.7% | $15,885+414.2% | $6,925+1079.3% |