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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 | $207,208 | $93,589+121.4% | $135,942+52.4% | $75,181+175.6% |
| Participation rate | 53.8% | 75.2%-21.3pp | 81.9%-28.1pp | 67.2%-13.4pp |
| Annual return | 15.46% | 30.90%-15.4pp | 68.28%-52.8pp | 160.69%-145.2pp |
| Employer contribution / active EE | $2,816 | $3,537-20.4% | $4,858-42.0% | $2,671+5.4% |
| Participant deferral / active EE | $7,451 | $6,405+16.3% | $7,759-4.0% | $4,126+80.6% |
| Admin fee / account holder | $24,488 | $6,977+251.0% | $10,764+127.5% | $5,650+333.4% |