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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 | $205,964 | $107,421+91.7% | $182,262+13.0% | $94,015+119.1% |
| Participation rate | 47.2% | 77.8%-30.6pp | 84.2%-37.0pp | 70.8%-23.7pp |
| Annual return | 14.03% | 21.32%-7.3pp | 140.60%-126.6pp | 17.84%-3.8pp |
| Employer contribution / active EE | $1,251 | $3,448-63.7% | $5,046-75.2% | $2,790-55.2% |
| Participant deferral / active EE | $3,116 | $6,558-52.5% | $8,276-62.4% | $4,249-26.7% |
| Admin fee / account holder | $7,167 | $8,692-17.6% | $16,712-57.1% | $8,951-19.9% |