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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 | $183,439 | $110,212+66.4% | $96,534+90.0% | $139,466+31.5% |
| Participation rate | 58.3% | 78.1%-19.8pp | 76.0%-17.6pp | 80.3%-22.0pp |
| Annual return | 14.93% | 26.42%-11.5pp | 25.88%-10.9pp | 373.66%-358.7pp |
| Employer contribution / active EE | $2,879 | $3,620-20.5% | $2,965-2.9% | $4,754-39.4% |
| Participant deferral / active EE | $6,542 | $5,547+17.9% | $4,851+34.9% | $6,712-2.5% |
| Admin fee / account holder | $39,415 | $11,599+239.8% | $8,253+377.6% | $11,409+245.5% |