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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 | $190,584 | $101,795+87.2% | $165,100+15.4% | $80,959+135.4% |
| Participation rate | 45.0% | 71.8%-26.8pp | 78.6%-33.6pp | 67.7%-22.7pp |
| Annual return | 15.05% | 16.73%-1.7pp | 70.21%-55.2pp | 35.67%-20.6pp |
| Employer contribution / active EE | $1,494 | $2,954-49.4% | $4,348-65.6% | $2,757-45.8% |
| Participant deferral / active EE | $3,739 | $4,476-16.5% | $6,035-38.0% | $4,300-13.0% |
| Admin fee / account holder | $5,638 | $8,221-31.4% | $12,696-55.6% | $6,925-18.6% |