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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 | $176,933 | $100,003+76.9% | $146,685+20.6% | $85,856+106.1% |
| Participation rate | 55.2% | 73.1%-17.8pp | 80.1%-24.8pp | 69.3%-14.1pp |
| Annual return | 13.02% | 18.93%-5.9pp | 22.75%-9.7pp | 318.58%-305.6pp |
| Employer contribution / active EE | $1,897 | $2,559-25.9% | $4,137-54.1% | $2,565-26.0% |
| Participant deferral / active EE | $3,748 | $4,006-6.4% | $5,507-31.9% | $3,952-5.2% |
| Admin fee / account holder | $9,118 | $7,704+18.4% | $10,281-11.3% | $6,261+45.6% |