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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 | $229,512 | $83,485+174.9% | $125,192+83.3% | $72,975+214.5% |
| Participation rate | 39.2% | 73.3%-34.1pp | 79.8%-40.6pp | 69.5%-30.3pp |
| Annual return | 30.64% | 25.77%+4.9pp | 43.79%-13.2pp | 81.01%-50.4pp |
| Employer contribution / active EE | $1,225 | $2,346-47.8% | $3,866-68.3% | $2,440-49.8% |
| Participant deferral / active EE | $2,465 | $3,586-31.3% | $4,937-50.1% | $3,608-31.7% |
| Admin fee / account holder | $6,555 | $5,518+18.8% | $9,704-32.5% | $5,124+27.9% |