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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 | $205,766 | $111,535+84.5% | $105,223+95.6% | $137,256+49.9% |
| Participation rate | 58.8% | 78.1%-19.3pp | 75.0%-16.2pp | 80.0%-21.1pp |
| Annual return | 11.75% | 237.85%-226.1pp | 180.65%-168.9pp | 220.34%-208.6pp |
| Employer contribution / active EE | $1,465 | $3,939-62.8% | $3,689-60.3% | $4,156-64.8% |
| Participant deferral / active EE | $2,444 | $5,500-55.6% | $5,072-51.8% | $6,407-61.9% |
| Admin fee / account holder | $9,373 | $9,721-3.6% | $8,859+5.8% | $12,270-23.6% |