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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 | $224,476 | $114,119+96.7% | $107,187+109.4% | $138,895+61.6% |
| Participation rate | 42.9% | 78.1%-35.2pp | 75.0%-32.2pp | 79.9%-37.1pp |
| Annual return | 11.82% | 273.21%-261.4pp | 204.55%-192.7pp | 145.39%-133.6pp |
| Employer contribution / active EE | $1,086 | $4,059-73.2% | $3,782-71.3% | $4,194-74.1% |
| Participant deferral / active EE | $2,881 | $5,538-48.0% | $5,096-43.5% | $6,396-55.0% |
| Admin fee / account holder | $7,223 | $10,024-27.9% | $9,162-21.2% | $12,562-42.5% |