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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 | $210,271 | $110,801+89.8% | $86,868+142.1% | $167,518+25.5% |
| Participation rate | 64.3% | 75.8%-11.5pp | 71.6%-7.3pp | 82.1%-17.8pp |
| Annual return | 12.25% | 117.00%-104.8pp | 63.53%-51.3pp | 478.71%-466.5pp |
| Employer contribution / active EE | $1,023 | $3,245-68.5% | $2,496-59.0% | $4,838-78.8% |
| Participant deferral / active EE | $3,538 | $4,547-22.2% | $3,699-4.3% | $6,342-44.2% |
| Admin fee / account holder | $3,249 | $8,417-61.4% | $5,829-44.3% | $12,312-73.6% |