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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 | $220,486 | $102,422+115.3% | $147,117+49.9% | $80,959+172.3% |
| Participation rate | 57.5% | 75.9%-18.4pp | 82.2%-24.7pp | 67.7%-10.2pp |
| Annual return | 13.54% | 135.16%-121.6pp | 420.54%-407.0pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,341 | $3,717-37.0% | $4,932-52.5% | $2,757-15.1% |
| Participant deferral / active EE | $5,667 | $6,652-14.8% | $8,065-29.7% | $4,300+31.8% |
| Admin fee / account holder | $26,896 | $7,953+238.2% | $12,993+107.0% | $6,925+288.4% |