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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 | $182,198 | $106,247+71.5% | $96,515+88.8% | $139,466+30.6% |
| Participation rate | 54.5% | 77.8%-23.3pp | 74.3%-19.8pp | 80.3%-25.8pp |
| Annual return | 20.10% | 38.47%-18.4pp | 35.73%-15.6pp | 373.66%-353.6pp |
| Employer contribution / active EE | $2,376 | $4,106-42.1% | $3,740-36.5% | $4,754-50.0% |
| Participant deferral / active EE | $6,136 | $5,456+12.5% | $4,880+25.7% | $6,712-8.6% |
| Admin fee / account holder | $13,029 | $7,885+65.2% | $6,735+93.4% | $11,409+14.2% |