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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 | $195,813 | $100,004+95.8% | $81,438+140.4% | $145,959+34.2% |
| Participation rate | 17.6% | 74.2%-56.5pp | 69.5%-51.9pp | 80.3%-62.6pp |
| Annual return | 11.57% | 34.34%-22.8pp | 24.74%-13.2pp | 561.95%-550.4pp |
| Employer contribution / active EE | $1,823 | $2,970-38.6% | $2,460-25.9% | $4,661-60.9% |
| Participant deferral / active EE | $2,845 | $4,603-38.2% | $3,883-26.7% | $6,689-57.5% |
| Admin fee / account holder | $1,331 | $8,202-83.8% | $5,764-76.9% | $13,398-90.1% |