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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 | $225,661 | $106,247+112.4% | $96,515+133.8% | $139,466+61.8% |
| Participation rate | 23.5% | 77.8%-54.3pp | 74.3%-50.8pp | 80.3%-56.8pp |
| Annual return | 14.47% | 38.47%-24.0pp | 35.73%-21.3pp | 373.66%-359.2pp |
| Employer contribution / active EE | $1,259 | $4,106-69.3% | $3,740-66.3% | $4,754-73.5% |
| Participant deferral / active EE | $4,047 | $5,456-25.8% | $4,880-17.1% | $6,712-39.7% |
| Admin fee / account holder | $71,058 | $7,885+801.2% | $6,735+955.0% | $11,409+522.8% |