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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 | $232,887 | $81,262+186.6% | $155,602+49.7% | $80,911+187.8% |
| Participation rate | 46.9% | 66.2%-19.4pp | 78.2%-31.3pp | 67.6%-20.8pp |
| Annual return | 11.92% | 33.34%-21.4pp | 64.81%-52.9pp | 35.63%-23.7pp |
| Employer contribution / active EE | $11,561 | $3,102+272.7% | $4,675+147.3% | $2,756+319.5% |
| Participant deferral / active EE | $6,143 | $3,451+78.0% | $5,629+9.1% | $4,297+42.9% |
| Admin fee / account holder | $18,983 | $7,992+137.5% | $15,923+19.2% | $6,935+173.7% |