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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 | $81,276+117.9% | $155,574+13.8% | $80,925+118.8% |
| Participation rate | 63.9% | 66.2%-2.4pp | 78.2%-14.3pp | 67.7%-3.8pp |
| Annual return | 13.82% | 33.36%-19.5pp | 64.87%-51.0pp | 35.65%-21.8pp |
| Employer contribution / active EE | $2,673 | $3,103-13.8% | $4,676-42.8% | $2,756-3.0% |
| Participant deferral / active EE | $4,599 | $3,453+33.2% | $5,629-18.3% | $4,299+7.0% |
| Admin fee / account holder | $81,673 | $7,993+921.8% | $15,914+413.2% | $6,940+1076.8% |