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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 | $139,948+48.0% | $121,663+70.2% | $154,746+33.8% |
| Participation rate | 44.4% | 78.0%-33.6pp | 74.5%-30.0pp | 80.7%-36.3pp |
| Annual return | 9.16% | 230.52%-221.4pp | 147.54%-138.4pp | 172.34%-163.2pp |
| Employer contribution / active EE | $2,283 | $3,521-35.2% | $3,020-24.4% | $4,379-47.9% |
| Participant deferral / active EE | $7,424 | $5,629+31.9% | $4,887+51.9% | $6,730+10.3% |
| Admin fee / account holder | $40,886 | $17,321+136.0% | $14,289+186.1% | $14,365+184.6% |