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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 | $207,086 | $132,099+56.8% | $115,599+79.1% | $138,895+49.1% |
| Participation rate | 44.4% | 77.9%-33.4pp | 74.3%-29.8pp | 79.9%-35.5pp |
| Annual return | 9.16% | 176.76%-167.6pp | 111.10%-101.9pp | 145.39%-136.2pp |
| Employer contribution / active EE | $2,283 | $3,416-33.2% | $2,955-22.8% | $4,194-45.6% |
| Participant deferral / active EE | $7,424 | $5,617+32.2% | $4,889+51.8% | $6,396+16.1% |
| Admin fee / account holder | $40,886 | $15,650+161.3% | $12,841+218.4% | $12,562+225.5% |