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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 | $87,132+156.3% | $105,624+111.4% | $80,959+175.8% |
| Participation rate | 20.0% | 70.4%-50.4pp | 75.3%-55.3pp | 67.7%-47.7pp |
| Annual return | 11.40% | 17.03%-5.6pp | 116.20%-104.8pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,241 | $2,397-48.2% | $3,168-60.8% | $2,757-55.0% |
| Participant deferral / active EE | $2,451 | $3,985-38.5% | $5,013-51.1% | $4,300-43.0% |
| Admin fee / account holder | $8,128 | $8,449-3.8% | $10,961-25.8% | $6,925+17.4% |