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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 | $210,770 | $116,203+81.4% | $93,621+125.1% | $152,909+37.8% |
| Participation rate | 62.5% | 78.1%-15.6pp | 75.8%-13.3pp | 82.5%-20.0pp |
| Annual return | 16.95% | 35.96%-19.0pp | 32.76%-15.8pp | 345.46%-328.5pp |
| Employer contribution / active EE | $5,539 | $3,219+72.1% | $2,719+103.7% | $4,764+16.3% |
| Participant deferral / active EE | $15,109 | $4,605+228.1% | $4,070+271.3% | $5,851+158.2% |
| Admin fee / account holder | $5,723 | $10,751-46.8% | $7,890-27.5% | $11,601-50.7% |