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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 | $199,987 | $132,099+51.4% | $115,599+73.0% | $138,895+44.0% |
| Participation rate | 62.5% | 77.9%-15.4pp | 74.3%-11.8pp | 79.9%-17.4pp |
| Annual return | 16.52% | 176.76%-160.2pp | 111.10%-94.6pp | 145.39%-128.9pp |
| Employer contribution / active EE | $712 | $3,416-79.2% | $2,955-75.9% | $4,194-83.0% |
| Participant deferral / active EE | $3,247 | $5,617-42.2% | $4,889-33.6% | $6,396-49.2% |
| Admin fee / account holder | $1,512 | $15,650-90.3% | $12,841-88.2% | $12,562-88.0% |