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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 | $99,875+107.7% | $146,866+41.2% | $86,983+138.5% |
| Participation rate | 58.6% | 75.8%-17.2pp | 82.5%-23.9pp | 69.5%-10.9pp |
| Annual return | 19.45% | 28.10%-8.7pp | 102.85%-83.4pp | 25.83%-6.4pp |
| Employer contribution / active EE | $4,269 | $3,224+32.4% | $4,425-3.5% | $2,584+65.2% |
| Participant deferral / active EE | $7,938 | $6,322+25.5% | $7,759+2.3% | $4,194+89.3% |
| Admin fee / account holder | $36,186 | $7,838+361.7% | $13,620+165.7% | $7,856+360.6% |