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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 | $227,048 | $63,703+256.4% | $93,063+144.0% | $82,448+175.4% |
| Participation rate | 57.1% | 63.8%-6.7pp | 72.1%-15.0pp | 68.1%-10.9pp |
| Annual return | 13.52% | -775.43%+789.0pp | 34.15%-20.6pp | 41.64%-28.1pp |
| Employer contribution / active EE | $4,089 | $1,729+136.6% | $2,476+65.1% | $2,551+60.3% |
| Participant deferral / active EE | $4,649 | $2,919+59.3% | $3,958+17.5% | $4,139+12.3% |
| Admin fee / account holder | $822 | $5,982-86.3% | $6,033-86.4% | $7,234-88.6% |