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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 | $207,429 | $106,524+94.7% | $152,301+36.2% | $87,485+137.1% |
| Participation rate | 58.6% | 75.8%-17.1pp | 82.4%-23.8pp | 68.9%-10.3pp |
| Annual return | 19.45% | 26.89%-7.4pp | 80.50%-61.1pp | 26.06%-6.6pp |
| Employer contribution / active EE | $4,269 | $3,371+26.6% | $4,624-7.7% | $2,596+64.4% |
| Participant deferral / active EE | $7,938 | $6,525+21.7% | $8,004-0.8% | $4,274+85.7% |
| Admin fee / account holder | $36,186 | $8,287+336.7% | $14,398+151.3% | $7,775+365.4% |