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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 | $244,833 | $174,379+40.4% | $152,093+61.0% | $138,895+76.3% |
| Participation rate | 40.0% | 81.6%-41.6pp | 77.8%-37.8pp | 79.9%-39.9pp |
| Annual return | 14.22% | 74.86%-60.6pp | 66.36%-52.1pp | 145.39%-131.2pp |
| Employer contribution / active EE | $2,162 | $4,652-53.5% | $4,175-48.2% | $4,194-48.4% |
| Participant deferral / active EE | $6,065 | $6,159-1.5% | $5,451+11.3% | $6,396-5.2% |
| Admin fee / account holder | $3,210 | $16,880-81.0% | $14,497-77.9% | $12,562-74.5% |