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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 | $237,416 | $102,385+131.9% | $147,080+61.4% | $80,935+193.3% |
| Participation rate | 64.7% | 75.9%-11.2pp | 82.2%-17.5pp | 67.7%-3.0pp |
| Annual return | 16.05% | 135.09%-119.0pp | 420.17%-404.1pp | 35.66%-19.6pp |
| Employer contribution / active EE | $5,134 | $3,717+38.1% | $4,933+4.1% | $2,757+86.2% |
| Participant deferral / active EE | $11,881 | $6,651+78.6% | $8,066+47.3% | $4,299+176.3% |
| Admin fee / account holder | $29,868 | $7,951+275.6% | $12,989+129.9% | $6,924+331.3% |