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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 | $225,806 | $117,829+91.6% | $102,423+120.5% | $145,877+54.8% |
| Participation rate | 59.1% | 78.6%-19.5pp | 76.5%-17.4pp | 80.3%-21.2pp |
| Annual return | 17.22% | 31.83%-14.6pp | 29.42%-12.2pp | 551.28%-534.1pp |
| Employer contribution / active EE | $1,309 | $3,615-63.8% | $3,023-56.7% | $4,663-71.9% |
| Participant deferral / active EE | $6,948 | $5,732+21.2% | $5,054+37.5% | $6,691+3.9% |
| Admin fee / account holder | $4,234 | $13,335-68.2% | $9,455-55.2% | $13,402-68.4% |