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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 | $179,427 | $101,795+76.3% | $165,100+8.7% | $80,959+121.6% |
| Participation rate | 55.0% | 71.8%-16.8pp | 78.6%-23.6pp | 67.7%-12.7pp |
| Annual return | 19.55% | 16.73%+2.8pp | 70.21%-50.7pp | 35.67%-16.1pp |
| Employer contribution / active EE | $2,739 | $2,954-7.3% | $4,348-37.0% | $2,757-0.7% |
| Participant deferral / active EE | $3,156 | $4,476-29.5% | $6,035-47.7% | $4,300-26.6% |
| Admin fee / account holder | $16,132 | $8,221+96.2% | $12,696+27.1% | $6,925+132.9% |