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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 | $223,146 | $111,535+100.1% | $105,223+112.1% | $137,256+62.6% |
| Participation rate | 36.8% | 78.1%-41.2pp | 75.0%-38.2pp | 80.0%-43.1pp |
| Annual return | 19.32% | 237.85%-218.5pp | 180.65%-161.3pp | 220.34%-201.0pp |
| Employer contribution / active EE | $1,592 | $3,939-59.6% | $3,689-56.8% | $4,156-61.7% |
| Participant deferral / active EE | $4,131 | $5,500-24.9% | $5,072-18.5% | $6,407-35.5% |
| Admin fee / account holder | $1,597 | $9,721-83.6% | $8,859-82.0% | $12,270-87.0% |