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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 | $227,610 | $157,276+44.7% | $141,177+61.2% | $152,885+48.9% |
| Participation rate | 64.3% | 84.8%-20.5pp | 82.5%-18.2pp | 82.5%-18.2pp |
| Annual return | 23.47% | 64.33%-40.9pp | 71.40%-47.9pp | 345.39%-321.9pp |
| Employer contribution / active EE | $5,621 | $5,262+6.8% | $4,736+18.7% | $4,763+18.0% |
| Participant deferral / active EE | $4,810 | $7,110-32.3% | $6,710-28.3% | $5,851-17.8% |
| Admin fee / account holder | $1,264 | $12,123-89.6% | $10,263-87.7% | $11,598-89.1% |