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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 | $171,740 | $102,422+67.7% | $147,117+16.7% | $80,959+112.1% |
| Participation rate | 61.9% | 75.9%-14.0pp | 82.2%-20.3pp | 67.7%-5.8pp |
| Annual return | 13.91% | 135.16%-121.2pp | 420.54%-406.6pp | 35.67%-21.8pp |
| Employer contribution / active EE | $2,870 | $3,717-22.8% | $4,932-41.8% | $2,757+4.1% |
| Participant deferral / active EE | $7,738 | $6,652+16.3% | $8,065-4.1% | $4,300+79.9% |
| Admin fee / account holder | $4,397 | $7,953-44.7% | $12,993-66.2% | $6,925-36.5% |