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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 | $102,429+115.3% | $147,096+49.9% | $80,925+172.5% |
| Participation rate | 57.5% | 75.9%-18.4pp | 82.2%-24.7pp | 67.7%-10.2pp |
| Annual return | 13.54% | 135.02%-121.5pp | 419.75%-406.2pp | 35.65%-22.1pp |
| Employer contribution / active EE | $2,341 | $3,716-37.0% | $4,936-52.6% | $2,756-15.1% |
| Participant deferral / active EE | $5,667 | $6,649-14.8% | $8,071-29.8% | $4,299+31.8% |
| Admin fee / account holder | $26,896 | $7,957+238.0% | $13,005+106.8% | $6,940+287.5% |