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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 | $230,290 | $114,119+101.8% | $107,187+114.8% | $138,895+65.8% |
| Participation rate | 52.9% | 78.1%-25.1pp | 75.0%-22.1pp | 79.9%-27.0pp |
| Annual return | 16.35% | 273.21%-256.9pp | 204.55%-188.2pp | 145.39%-129.0pp |
| Employer contribution / active EE | $1,453 | $4,059-64.2% | $3,782-61.6% | $4,194-65.4% |
| Participant deferral / active EE | $3,991 | $5,538-27.9% | $5,096-21.7% | $6,396-37.6% |
| Admin fee / account holder | $873 | $10,024-91.3% | $9,162-90.5% | $12,562-93.1% |