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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 | $189,838 | $148,629+27.7% | $135,982+39.6% | $139,487+36.1% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 21.82% | 79.33%-57.5pp | 68.32%-46.5pp | 373.84%-352.0pp |
| Employer contribution / active EE | $2,827 | $5,247-46.1% | $4,859-41.8% | $4,755-40.5% |
| Participant deferral / active EE | $5,847 | $8,102-27.8% | $7,760-24.7% | $6,713-12.9% |
| Admin fee / account holder | $5,024 | $12,406-59.5% | $10,767-53.3% | $11,407-56.0% |