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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 | $229,515 | $176,105+30.3% | $159,474+43.9% | $167,536+37.0% |
| Participation rate | 33.3% | 85.0%-51.6pp | 82.8%-49.5pp | 82.1%-48.8pp |
| Annual return | 21.74% | 331.91%-310.2pp | 263.68%-241.9pp | 478.82%-457.1pp |
| Employer contribution / active EE | $1,153 | $5,299-78.2% | $4,831-76.1% | $4,839-76.2% |
| Participant deferral / active EE | $6,500 | $7,751-16.1% | $7,353-11.6% | $6,342+2.5% |
| Admin fee / account holder | $3,068 | $12,559-75.6% | $10,802-71.6% | $12,315-75.1% |