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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 | $81,331+186.3% | $155,534+49.7% | $80,935+187.7% |
| Participation rate | 46.9% | 66.3%-19.4pp | 78.2%-31.3pp | 67.7%-20.8pp |
| Annual return | 11.92% | 33.37%-21.5pp | 64.92%-53.0pp | 35.66%-23.7pp |
| Employer contribution / active EE | $11,561 | $3,105+272.4% | $4,675+147.3% | $2,757+319.4% |
| Participant deferral / active EE | $6,143 | $3,454+77.8% | $5,630+9.1% | $4,299+42.9% |
| Admin fee / account holder | $18,983 | $7,999+137.3% | $15,900+19.4% | $6,924+174.2% |