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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 | $223,322 | $114,013+95.9% | $103,693+115.4% | $155,188+43.9% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 80.8%-30.8pp |
| Annual return | 18.62% | 49.31%-30.7pp | 47.61%-29.0pp | 148.84%-130.2pp |
| Employer contribution / active EE | $2,834 | $3,131-9.5% | $2,920-3.0% | $4,248-33.3% |
| Participant deferral / active EE | $2,834 | $4,970-43.0% | $4,579-38.1% | $6,531-56.6% |
| Admin fee / account holder | $322 | $8,407-96.2% | $7,858-95.9% | $14,480-97.8% |