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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 | $117,895+91.5% | $102,460+120.4% | $145,897+54.8% |
| Participation rate | 59.1% | 78.6%-19.5pp | 76.5%-17.4pp | 80.3%-21.2pp |
| Annual return | 17.22% | 31.92%-14.7pp | 29.47%-12.2pp | 552.29%-535.1pp |
| Employer contribution / active EE | $1,309 | $3,619-63.8% | $3,025-56.7% | $4,663-71.9% |
| Participant deferral / active EE | $6,948 | $5,736+21.1% | $5,056+37.4% | $6,689+3.9% |
| Admin fee / account holder | $4,234 | $13,353-68.3% | $9,460-55.2% | $13,390-68.4% |