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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 | $198,259 | $95,406+107.8% | $185,849+6.7% | $85,847+130.9% |
| Participation rate | 61.1% | 68.8%-7.7pp | 81.7%-20.6pp | 69.3%-8.2pp |
| Annual return | 15.28% | 23.59%-8.3pp | 122.10%-106.8pp | 318.61%-303.3pp |
| Employer contribution / active EE | $4,376 | $3,314+32.1% | $5,169-15.3% | $2,565+70.6% |
| Participant deferral / active EE | $2,063 | $3,424-39.7% | $5,569-62.9% | $3,952-47.8% |
| Admin fee / account holder | $10,466 | $7,214+45.1% | $16,244-35.6% | $6,261+67.2% |