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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 | $230,869 | $165,361+39.6% | $149,715+54.2% | $158,950+45.2% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 12.70% | 348.24%-335.5pp | 276.66%-264.0pp | 302.91%-290.2pp |
| Employer contribution / active EE | $2,562 | $5,103-49.8% | $4,645-44.8% | $4,762-46.2% |
| Participant deferral / active EE | $6,710 | $7,182-6.6% | $6,842-1.9% | $5,983+12.2% |
| Admin fee / account holder | $7,167 | $10,808-33.7% | $9,310-23.0% | $11,248-36.3% |