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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 | $211,955 | $73,978+186.5% | $96,515+119.6% | $75,173+182.0% |
| Participation rate | 28.8% | 66.4%-37.6pp | 74.3%-45.6pp | 67.2%-38.4pp |
| Annual return | 13.96% | 26.72%-12.8pp | 35.73%-21.8pp | 160.72%-146.8pp |
| Employer contribution / active EE | $1,314 | $2,931-55.2% | $3,740-64.9% | $2,671-50.8% |
| Participant deferral / active EE | $2,729 | $3,660-25.4% | $4,880-44.1% | $4,126-33.9% |
| Admin fee / account holder | $1,345 | $5,219-74.2% | $6,735-80.0% | $5,651-76.2% |