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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 | $203,994 | $100,203+103.6% | $85,240+139.3% | $145,897+39.8% |
| Participation rate | 13.3% | 74.1%-60.8pp | 67.5%-54.2pp | 80.3%-67.0pp |
| Annual return | 9.32% | 84.28%-75.0pp | 66.75%-57.4pp | 552.29%-543.0pp |
| Employer contribution / active EE | $3,290 | $3,242+1.5% | $2,735+20.3% | $4,663-29.4% |
| Participant deferral / active EE | $2,033 | $5,299-61.6% | $4,527-55.1% | $6,689-69.6% |
| Admin fee / account holder | $7,172 | $7,265-1.3% | $6,165+16.3% | $13,390-46.4% |