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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 | $205,956 | $78,670+161.8% | $109,173+88.7% | $85,847+139.9% |
| Participation rate | 60.7% | 68.3%-7.6pp | 75.9%-15.2pp | 69.3%-8.6pp |
| Annual return | 11.68% | 25.09%-13.4pp | 25.75%-14.1pp | 318.61%-306.9pp |
| Employer contribution / active EE | $3,908 | $2,734+42.9% | $3,723+5.0% | $2,565+52.3% |
| Participant deferral / active EE | $6,218 | $3,467+79.3% | $4,654+33.6% | $3,952+57.3% |
| Admin fee / account holder | $17,917 | $5,469+227.6% | $6,755+165.2% | $6,261+186.2% |