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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 | $205,626 | $91,559+124.6% | $133,971+53.5% | $79,852+157.5% |
| Participation rate | 36.5% | 73.3%-36.9pp | 79.8%-43.4pp | 69.6%-33.2pp |
| Annual return | 22.18% | 61.85%-39.7pp | 45.09%-22.9pp | 31.72%-9.5pp |
| Employer contribution / active EE | $1,067 | $2,384-55.3% | $3,919-72.8% | $2,471-56.8% |
| Participant deferral / active EE | $3,427 | $3,734-8.2% | $5,047-32.1% | $3,740-8.4% |
| Admin fee / account holder | $10,382 | $6,321+64.2% | $8,929+16.3% | $5,306+95.7% |