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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 | $236,145 | $55,902+322.4% | $76,030+210.6% | $80,959+191.7% |
| Participation rate | 55.6% | 62.1%-6.5pp | 69.1%-13.5pp | 67.7%-12.1pp |
| Annual return | 15.48% | 20.59%-5.1pp | 361.54%-346.1pp | 35.67%-20.2pp |
| Employer contribution / active EE | $453 | $1,867-75.7% | $2,688-83.1% | $2,757-83.6% |
| Participant deferral / active EE | $3,206 | $3,051+5.1% | $4,257-24.7% | $4,300-25.4% |
| Admin fee / account holder | $24,701 | $5,239+371.5% | $6,421+284.7% | $6,925+256.7% |