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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 | $199,368 | $115,225+73.0% | $100,712+98.0% | $138,895+43.5% |
| Participation rate | 60.0% | 74.3%-14.3pp | 69.3%-9.3pp | 79.9%-19.9pp |
| Annual return | 12.02% | 40.35%-28.3pp | 33.27%-21.2pp | 145.39%-133.4pp |
| Employer contribution / active EE | $1,278 | $2,771-53.9% | $2,313-44.8% | $4,194-69.5% |
| Participant deferral / active EE | $2,324 | $4,699-50.6% | $4,085-43.1% | $6,396-63.7% |
| Admin fee / account holder | $24,621 | $10,844+127.1% | $9,256+166.0% | $12,562+96.0% |