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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 | $245,578 | $101,778+141.3% | $164,975+48.9% | $80,925+203.5% |
| Participation rate | 38.3% | 71.8%-33.5pp | 78.6%-40.3pp | 67.7%-29.4pp |
| Annual return | 12.58% | 16.73%-4.1pp | 70.12%-57.5pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,210 | $2,954-59.0% | $4,343-72.1% | $2,756-56.1% |
| Participant deferral / active EE | $2,525 | $4,477-43.6% | $6,033-58.2% | $4,299-41.3% |
| Admin fee / account holder | $56,806 | $8,221+591.0% | $12,688+347.7% | $6,940+718.5% |