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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 | $190,648 | $61,787+208.6% | $97,197+96.1% | $80,925+135.6% |
| Participation rate | 55.2% | 63.5%-8.3pp | 72.7%-17.5pp | 67.7%-12.5pp |
| Annual return | 19.32% | -558.16%+577.5pp | 75.47%-56.2pp | 35.65%-16.3pp |
| Employer contribution / active EE | $3,781 | $1,836+105.9% | $2,723+38.9% | $2,756+37.2% |
| Participant deferral / active EE | $4,335 | $3,027+43.2% | $4,263+1.7% | $4,299+0.8% |
| Admin fee / account holder | $636 | $5,170-87.7% | $5,637-88.7% | $6,940-90.8% |