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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 | $176,868 | $118,496+49.3% | $98,461+79.6% | $139,466+26.8% |
| Participation rate | 46.2% | 77.5%-31.3pp | 75.2%-29.0pp | 80.3%-34.2pp |
| Annual return | 14.52% | 18.96%-4.4pp | 21.17%-6.6pp | 373.66%-359.1pp |
| Employer contribution / active EE | $3,103 | $3,611-14.0% | $3,049+1.8% | $4,754-34.7% |
| Participant deferral / active EE | $12,768 | $5,393+136.8% | $4,738+169.5% | $6,712+90.2% |
| Admin fee / account holder | $40,288 | $14,056+186.6% | $8,961+349.6% | $11,409+253.1% |