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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 | $230,028 | $116,434+97.6% | $65,583+250.7% | $139,487+64.9% |
| Participation rate | 28.6% | 67.9%-39.3pp | 65.0%-36.4pp | 80.3%-51.8pp |
| Annual return | 16.04% | 31.34%-15.3pp | 47.46%-31.4pp | 373.84%-357.8pp |
| Employer contribution / active EE | $2,217 | $2,602-14.8% | $1,692+31.0% | $4,755-53.4% |
| Participant deferral / active EE | $4,643 | $4,245+9.4% | $2,833+63.9% | $6,713-30.8% |
| Admin fee / account holder | $910 | $6,696-86.4% | $4,112-77.9% | $11,407-92.0% |