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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 | $243,720 | $65,555+271.8% | $86,216+182.7% | $75,173+224.2% |
| Participation rate | 24.3% | 60.5%-36.2pp | 69.0%-44.6pp | 67.2%-42.9pp |
| Annual return | 14.84% | 46.07%-31.2pp | 1169.42%-1154.6pp | 160.72%-145.9pp |
| Employer contribution / active EE | $2,213 | $1,553+42.5% | $2,382-7.1% | $2,671-17.1% |
| Participant deferral / active EE | $3,780 | $3,023+25.0% | $3,986-5.2% | $4,126-8.4% |
| Admin fee / account holder | $3,329 | $5,469-39.1% | $6,853-51.4% | $5,651-41.1% |