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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 | $197,057 | $110,410+78.5% | $102,437+92.4% | $145,897+35.1% |
| Participation rate | 52.6% | 77.9%-25.3pp | 74.5%-21.9pp | 80.3%-27.7pp |
| Annual return | 13.64% | 24.85%-11.2pp | 24.95%-11.3pp | 552.29%-538.7pp |
| Employer contribution / active EE | $1,605 | $4,217-61.9% | $3,871-58.5% | $4,663-65.6% |
| Participant deferral / active EE | $3,602 | $5,622-35.9% | $5,060-28.8% | $6,689-46.2% |
| Admin fee / account holder | $5,605 | $9,745-42.5% | $8,388-33.2% | $13,390-58.1% |