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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 | $220,296 | $116,203+89.6% | $93,621+135.3% | $152,897+44.1% |
| Participation rate | 23.5% | 78.1%-54.5pp | 75.8%-52.3pp | 82.5%-58.9pp |
| Annual return | 13.80% | 35.96%-22.2pp | 32.76%-19.0pp | 345.43%-331.6pp |
| Employer contribution / active EE | $872 | $3,219-72.9% | $2,719-67.9% | $4,764-81.7% |
| Participant deferral / active EE | $4,882 | $4,605+6.0% | $4,070+20.0% | $5,851-16.6% |
| Admin fee / account holder | $4,754 | $10,751-55.8% | $7,890-39.7% | $11,599-59.0% |