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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 | $181,231 | $93,345+94.2% | $119,126+52.1% | $87,485+107.2% |
| Participation rate | 53.0% | 68.7%-15.7pp | 75.8%-22.7pp | 68.9%-15.9pp |
| Annual return | 13.09% | 19.08%-6.0pp | 282.11%-269.0pp | 26.06%-13.0pp |
| Employer contribution / active EE | $2,616 | $3,172-17.5% | $4,034-35.1% | $2,596+0.8% |
| Participant deferral / active EE | $5,826 | $4,099+42.1% | $5,318+9.6% | $4,274+36.3% |
| Admin fee / account holder | $18,787 | $8,039+133.7% | $10,693+75.7% | $7,775+141.6% |