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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 | $142,354+45.5% | $125,529+65.0% | $155,188+33.4% |
| Participation rate | 44.4% | 78.1%-33.6pp | 74.7%-30.3pp | 80.8%-36.4pp |
| Annual return | 9.16% | 306.06%-296.9pp | 202.56%-193.4pp | 148.84%-139.7pp |
| Employer contribution / active EE | $2,283 | $3,501-34.8% | $3,058-25.3% | $4,248-46.3% |
| Participant deferral / active EE | $7,424 | $5,491+35.2% | $4,813+54.3% | $6,531+13.7% |
| Admin fee / account holder | $40,886 | $19,392+110.8% | $16,298+150.9% | $14,480+182.4% |