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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 | $169,598 | $64,324+163.7% | $118,946+42.6% | $79,852+112.4% |
| Participation rate | 50.0% | 64.9%-14.9pp | 75.4%-25.4pp | 69.6%-19.6pp |
| Annual return | 38.30% | 86.45%-48.1pp | 35.89%+2.4pp | 31.72%+6.6pp |
| Employer contribution / active EE | $1,810 | $1,836-1.4% | $3,263-44.5% | $2,471-26.8% |
| Participant deferral / active EE | $4,052 | $2,824+43.5% | $4,266-5.0% | $3,740+8.3% |
| Admin fee / account holder | $1,243 | $4,040-69.2% | $6,581-81.1% | $5,306-76.6% |