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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 | $211,968 | $98,776+114.6% | $149,745+41.6% | $79,856+165.4% |
| Participation rate | 56.8% | 75.8%-19.0pp | 82.5%-25.7pp | 69.6%-12.9pp |
| Annual return | 45.29% | 27.38%+17.9pp | 276.72%-231.4pp | 31.71%+13.6pp |
| Employer contribution / active EE | $2,640 | $3,217-17.9% | $4,646-43.2% | $2,471+6.8% |
| Participant deferral / active EE | $5,033 | $5,681-11.4% | $6,843-26.5% | $3,741+34.5% |
| Admin fee / account holder | $46,915 | $6,053+675.1% | $9,312+403.8% | $5,306+784.1% |