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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 | $208,119 | $111,535+86.6% | $105,223+97.8% | $137,256+51.6% |
| Participation rate | 53.3% | 78.1%-24.8pp | 75.0%-21.7pp | 80.0%-26.6pp |
| Annual return | 18.90% | 237.85%-219.0pp | 180.65%-161.7pp | 220.34%-201.4pp |
| Employer contribution / active EE | $1,715 | $3,939-56.5% | $3,689-53.5% | $4,156-58.7% |
| Participant deferral / active EE | $3,034 | $5,500-44.8% | $5,072-40.2% | $6,407-52.6% |
| Admin fee / account holder | $1,958 | $9,721-79.9% | $8,859-77.9% | $12,270-84.0% |