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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 | $176,344 | $95,383+84.9% | $185,837-5.1% | $85,856+105.4% |
| Participation rate | 51.9% | 68.8%-16.9pp | 81.7%-29.9pp | 69.3%-17.5pp |
| Annual return | 17.87% | 23.59%-5.7pp | 122.08%-104.2pp | 318.58%-300.7pp |
| Employer contribution / active EE | $2,182 | $3,313-34.1% | $5,168-57.8% | $2,565-14.9% |
| Participant deferral / active EE | $4,340 | $3,423+26.8% | $5,568-22.1% | $3,952+9.8% |
| Admin fee / account holder | $1,140 | $7,213-84.2% | $16,241-93.0% | $6,261-81.8% |