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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 | $191,338 | $77,908+145.6% | $149,696+27.8% | $75,173+154.5% |
| Participation rate | 57.1% | 65.6%-8.4pp | 78.8%-21.6pp | 67.2%-10.1pp |
| Annual return | 16.80% | 31.73%-14.9pp | 134.46%-117.7pp | 160.72%-143.9pp |
| Employer contribution / active EE | $3,998 | $3,138+27.4% | $4,821-17.1% | $2,671+49.7% |
| Participant deferral / active EE | $4,172 | $3,411+22.3% | $5,682-26.6% | $4,126+1.1% |
| Admin fee / account holder | $23,240 | $5,950+290.6% | $13,212+75.9% | $5,651+311.3% |