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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 | $232,869 | $102,422+127.4% | $147,117+58.3% | $80,959+187.6% |
| Participation rate | 69.0% | 75.9%-6.9pp | 82.2%-13.2pp | 67.7%+1.3pp |
| Annual return | 15.51% | 135.16%-119.6pp | 420.54%-405.0pp | 35.67%-20.2pp |
| Employer contribution / active EE | $4,475 | $3,717+20.4% | $4,932-9.3% | $2,757+62.3% |
| Participant deferral / active EE | $8,970 | $6,652+34.8% | $8,065+11.2% | $4,300+108.6% |
| Admin fee / account holder | $1,455 | $7,953-81.7% | $12,993-88.8% | $6,925-79.0% |