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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 | $230,843 | $88,087+162.1% | $164,866+40.0% | $74,546+209.7% |
| Participation rate | 41.1% | 73.1%-32.0pp | 78.6%-37.5pp | 67.2%-26.1pp |
| Annual return | 13.47% | 17.27%-3.8pp | 69.97%-56.5pp | 1366.03%-1352.6pp |
| Employer contribution / active EE | $1,471 | $2,595-43.3% | $4,343-66.1% | $2,624-44.0% |
| Participant deferral / active EE | $3,247 | $4,499-27.8% | $6,033-46.2% | $4,347-25.3% |
| Admin fee / account holder | $3,182 | $2,232+42.6% | $12,689-74.9% | $1,944+63.7% |