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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 | $101,795+141.2% | $165,100+48.7% | $80,959+203.3% |
| Participation rate | 38.3% | 71.8%-33.5pp | 78.6%-40.3pp | 67.7%-29.4pp |
| Annual return | 12.58% | 16.73%-4.1pp | 70.21%-57.6pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,210 | $2,954-59.0% | $4,348-72.2% | $2,757-56.1% |
| Participant deferral / active EE | $2,525 | $4,476-43.6% | $6,035-58.2% | $4,300-41.3% |
| Admin fee / account holder | $56,806 | $8,221+591.0% | $12,696+347.4% | $6,925+720.3% |