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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 | $171,014 | $102,385+67.0% | $147,080+16.3% | $80,935+111.3% |
| Participation rate | 57.1% | 75.9%-18.7pp | 82.2%-25.0pp | 67.7%-10.5pp |
| Annual return | 14.19% | 135.09%-120.9pp | 420.17%-406.0pp | 35.66%-21.5pp |
| Employer contribution / active EE | $3,649 | $3,717-1.8% | $4,933-26.0% | $2,757+32.4% |
| Participant deferral / active EE | $6,222 | $6,651-6.4% | $8,066-22.9% | $4,299+44.7% |
| Admin fee / account holder | $24,085 | $7,951+202.9% | $12,989+85.4% | $6,924+247.8% |