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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 | $213,833 | $78,682+171.8% | $109,188+95.8% | $85,851+149.1% |
| Participation rate | 58.1% | 68.3%-10.1pp | 75.9%-17.7pp | 69.3%-11.2pp |
| Annual return | 31.89% | 25.09%+6.8pp | 25.76%+6.1pp | 318.63%-286.7pp |
| Employer contribution / active EE | $2,809 | $2,734+2.7% | $3,723-24.6% | $2,565+9.5% |
| Participant deferral / active EE | $3,555 | $3,468+2.5% | $4,654-23.6% | $3,952-10.1% |
| Admin fee / account holder | $36,955 | $5,470+575.7% | $6,755+447.1% | $6,261+490.3% |