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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 | $223,322 | $87,037+156.6% | $106,201+110.3% | $80,874+176.1% |
| Participation rate | 20.0% | 70.4%-50.4pp | 75.3%-55.3pp | 67.6%-47.6pp |
| Annual return | 11.40% | 17.05%-5.7pp | 116.26%-104.9pp | 35.62%-24.2pp |
| Employer contribution / active EE | $1,241 | $2,396-48.2% | $3,170-60.9% | $2,756-55.0% |
| Participant deferral / active EE | $2,451 | $3,986-38.5% | $5,012-51.1% | $4,297-43.0% |
| Admin fee / account holder | $8,128 | $8,434-3.6% | $11,039-26.4% | $6,935+17.2% |