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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 | $169,936 | $226,135-24.9% | $182,558-6.9% | $152,909+11.1% |
| Participation rate | 69.6% | 82.5%-12.9pp | 78.0%-8.4pp | 82.5%-12.9pp |
| Annual return | 23.45% | 192.60%-169.2pp | 148.59%-125.1pp | 345.46%-322.0pp |
| Employer contribution / active EE | $2,562 | $4,979-48.5% | $4,076-37.1% | $4,764-46.2% |
| Participant deferral / active EE | $5,127 | $6,371-19.5% | $5,526-7.2% | $5,851-12.4% |
| Admin fee / account holder | $6,912 | $10,707-35.4% | $8,594-19.6% | $11,601-40.4% |