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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 | $233,833 | $86,922+169.0% | $102,438+128.3% | $80,874+189.1% |
| Participation rate | 39.5% | 72.4%-32.9pp | 76.5%-37.0pp | 67.6%-28.2pp |
| Annual return | 12.47% | 18.90%-6.4pp | 29.37%-16.9pp | 35.62%-23.2pp |
| Employer contribution / active EE | $7,085 | $2,369+199.0% | $3,024+134.3% | $2,756+157.1% |
| Participant deferral / active EE | $14,129 | $4,119+243.0% | $5,054+179.6% | $4,297+228.8% |
| Admin fee / account holder | $48,277 | $8,050+499.7% | $9,448+411.0% | $6,935+596.1% |