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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 | $229,273 | $78,670+191.4% | $109,173+110.0% | $85,847+167.1% |
| Participation rate | 58.1% | 68.3%-10.1pp | 75.9%-17.7pp | 69.3%-11.2pp |
| Annual return | 12.90% | 25.09%-12.2pp | 25.75%-12.9pp | 318.61%-305.7pp |
| Employer contribution / active EE | $2,316 | $2,734-15.3% | $3,723-37.8% | $2,565-9.7% |
| Participant deferral / active EE | $5,718 | $3,467+64.9% | $4,654+22.9% | $3,952+44.7% |
| Admin fee / account holder | $47,163 | $5,469+762.3% | $6,755+598.2% | $6,261+653.3% |