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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 | $179,753 | $135,956+32.2% | $123,894+45.1% | $273,972-34.4% |
| Participation rate | 26.7% | 84.1%-57.4pp | 81.4%-54.7pp | 83.0%-56.3pp |
| Annual return | 5.43% | 56.63%-51.2pp | 47.52%-42.1pp | 41.46%-36.0pp |
| Employer contribution / active EE | $2,047 | $5,170-60.4% | $4,617-55.7% | $4,869-58.0% |
| Participant deferral / active EE | $7,577 | $6,343+19.5% | $5,984+26.6% | $5,287+43.3% |
| Admin fee / account holder | $21,732 | $9,817+121.4% | $8,357+160.0% | $10,133+114.5% |