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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 | $222,074 | $101,752+118.2% | $164,928+34.6% | $80,911+174.5% |
| Participation rate | 42.9% | 71.8%-29.0pp | 78.6%-35.8pp | 67.6%-24.8pp |
| Annual return | 24.51% | 16.73%+7.8pp | 70.08%-45.6pp | 35.63%-11.1pp |
| Employer contribution / active EE | $1,746 | $2,953-40.9% | $4,343-59.8% | $2,756-36.6% |
| Participant deferral / active EE | $5,597 | $4,477+25.0% | $6,034-7.2% | $4,297+30.2% |
| Admin fee / account holder | $43,849 | $8,218+433.6% | $12,684+245.7% | $6,935+532.3% |