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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 | $196,293 | $91,537+114.4% | $130,045+50.9% | $75,173+161.1% |
| Participation rate | 60.5% | 71.5%-11.0pp | 78.5%-18.0pp | 67.2%-6.7pp |
| Annual return | 15.80% | -631.55%+647.3pp | -137.30%+153.1pp | 160.72%-144.9pp |
| Employer contribution / active EE | $4,243 | $2,845+49.2% | $4,321-1.8% | $2,671+58.9% |
| Participant deferral / active EE | $13,757 | $4,343+216.8% | $5,820+136.4% | $4,126+233.4% |
| Admin fee / account holder | $18,719 | $6,780+176.1% | $10,600+76.6% | $5,651+231.3% |