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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 | $200,376 | $102,422+95.6% | $147,117+36.2% | $80,959+147.5% |
| Participation rate | 69.0% | 75.9%-6.9pp | 82.2%-13.2pp | 67.7%+1.3pp |
| Annual return | 14.52% | 135.16%-120.6pp | 420.54%-406.0pp | 35.67%-21.2pp |
| Employer contribution / active EE | $6,293 | $3,717+69.3% | $4,932+27.6% | $2,757+128.2% |
| Participant deferral / active EE | $7,644 | $6,652+14.9% | $8,065-5.2% | $4,300+77.7% |
| Admin fee / account holder | $3,869 | $7,953-51.4% | $12,993-70.2% | $6,925-44.1% |