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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 | $234,253 | $102,429+128.7% | $147,096+59.3% | $80,925+189.5% |
| Participation rate | 64.3% | 75.9%-11.6pp | 82.2%-17.9pp | 67.7%-3.4pp |
| Annual return | 12.30% | 135.02%-122.7pp | 419.75%-407.5pp | 35.65%-23.4pp |
| Employer contribution / active EE | $2,699 | $3,716-27.4% | $4,936-45.3% | $2,756-2.1% |
| Participant deferral / active EE | $10,752 | $6,649+61.7% | $8,071+33.2% | $4,299+150.1% |
| Admin fee / account holder | $1,096 | $7,957-86.2% | $13,005-91.6% | $6,940-84.2% |