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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 | $102,429+67.7% | $147,096+16.8% | $80,925+112.2% |
| Participation rate | 61.9% | 75.9%-14.0pp | 82.2%-20.3pp | 67.7%-5.8pp |
| Annual return | 13.91% | 135.02%-121.1pp | 419.75%-405.8pp | 35.65%-21.7pp |
| Employer contribution / active EE | $2,870 | $3,716-22.8% | $4,936-41.9% | $2,756+4.1% |
| Participant deferral / active EE | $7,738 | $6,649+16.4% | $8,071-4.1% | $4,299+80.0% |
| Admin fee / account holder | $4,397 | $7,957-44.7% | $13,005-66.2% | $6,940-36.7% |