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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 | $81,233+118.0% | $155,567+13.8% | $80,874+119.0% |
| Participation rate | 63.9% | 66.2%-2.3pp | 78.2%-14.3pp | 67.6%-3.8pp |
| Annual return | 13.82% | 33.33%-19.5pp | 64.74%-50.9pp | 35.62%-21.8pp |
| Employer contribution / active EE | $2,673 | $3,101-13.8% | $4,674-42.8% | $2,756-3.0% |
| Participant deferral / active EE | $4,599 | $3,452+33.2% | $5,628-18.3% | $4,297+7.0% |
| Admin fee / account holder | $81,673 | $7,998+921.2% | $15,916+413.1% | $6,935+1077.7% |