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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 | $211,565 | $95,406+121.8% | $185,849+13.8% | $85,847+146.4% |
| Participation rate | 59.0% | 68.8%-9.8pp | 81.7%-22.7pp | 69.3%-10.3pp |
| Annual return | 15.19% | 23.59%-8.4pp | 122.10%-106.9pp | 318.61%-303.4pp |
| Employer contribution / active EE | $3,545 | $3,314+7.0% | $5,169-31.4% | $2,565+38.2% |
| Participant deferral / active EE | $5,558 | $3,424+62.3% | $5,569-0.2% | $3,952+40.6% |
| Admin fee / account holder | $28,809 | $7,214+299.3% | $16,244+77.4% | $6,261+360.2% |