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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 | $195,813 | $100,279+95.3% | $81,353+140.7% | $145,884+34.2% |
| Participation rate | 17.6% | 74.3%-56.6pp | 69.5%-51.9pp | 80.3%-62.7pp |
| Annual return | 11.57% | 34.49%-22.9pp | 24.82%-13.2pp | 551.85%-540.3pp |
| Employer contribution / active EE | $1,823 | $2,979-38.8% | $2,464-26.0% | $4,662-60.9% |
| Participant deferral / active EE | $2,845 | $4,611-38.3% | $3,885-26.8% | $6,690-57.5% |
| Admin fee / account holder | $1,331 | $8,206-83.8% | $5,766-76.9% | $13,392-90.1% |