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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 | $160,623 | $76,551+109.8% | $123,894+29.6% | $62,881+155.4% |
| Participation rate | 63.3% | 73.0%-9.6pp | 81.4%-18.1pp | 69.3%-6.0pp |
| Annual return | 15.21% | 18.68%-3.5pp | 47.52%-32.3pp | 20.14%-4.9pp |
| Employer contribution / active EE | $10,346 | $2,882+258.9% | $4,617+124.1% | $2,281+353.6% |
| Participant deferral / active EE | $3,574 | $4,840-26.2% | $5,984-40.3% | $3,203+11.6% |
| Admin fee / account holder | $19,927 | $4,826+312.9% | $8,357+138.4% | $4,296+363.9% |