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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 | $249,282 | $86,940+186.7% | $102,434+143.4% | $80,935+208.0% |
| Participation rate | 25.6% | 72.4%-46.8pp | 76.5%-50.9pp | 67.7%-42.1pp |
| Annual return | 14.48% | 18.89%-4.4pp | 29.46%-15.0pp | 35.66%-21.2pp |
| Employer contribution / active EE | $997 | $2,370-57.9% | $3,023-67.0% | $2,757-63.8% |
| Participant deferral / active EE | $2,662 | $4,121-35.4% | $5,055-47.3% | $4,299-38.1% |
| Admin fee / account holder | $21,619 | $8,047+168.7% | $9,462+128.5% | $6,924+212.2% |