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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 | $218,538 | $102,429+113.4% | $147,096+48.6% | $80,925+170.1% |
| Participation rate | 67.4% | 75.9%-8.5pp | 82.2%-14.8pp | 67.7%-0.3pp |
| Annual return | 13.59% | 135.02%-121.4pp | 419.75%-406.2pp | 35.65%-22.1pp |
| Employer contribution / active EE | $2,668 | $3,716-28.2% | $4,936-46.0% | $2,756-3.2% |
| Participant deferral / active EE | $12,927 | $6,649+94.4% | $8,071+60.2% | $4,299+200.7% |
| Admin fee / account holder | $20,179 | $7,957+153.6% | $13,005+55.2% | $6,940+190.8% |