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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 | $215,496 | $41,016+425.4% | $152,093+41.7% | $64,097+236.2% |
| Participation rate | 41.9% | 51.3%-9.4pp | 77.8%-35.8pp | 55.2%-13.3pp |
| Annual return | 17.21% | 39.60%-22.4pp | 66.36%-49.1pp | 34.64%-17.4pp |
| Employer contribution / active EE | $452 | $1,342-66.4% | $4,175-89.2% | $1,891-76.1% |
| Participant deferral / active EE | $3,501 | $1,927+81.6% | $5,451-35.8% | $3,080+13.7% |
| Admin fee / account holder | $3,835 | $2,305+66.4% | $14,497-73.5% | $3,454+11.0% |