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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 | $189,647 | $88,672+113.9% | $105,223+80.2% | $82,448+130.0% |
| Participation rate | 57.3% | 67.9%-10.6pp | 75.0%-17.7pp | 68.1%-10.8pp |
| Annual return | 15.12% | 30.86%-15.7pp | 180.65%-165.5pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,107 | $3,048-30.9% | $3,689-42.9% | $2,551-17.4% |
| Participant deferral / active EE | $5,002 | $4,036+23.9% | $5,072-1.4% | $4,139+20.8% |
| Admin fee / account holder | $1,393 | $7,146-80.5% | $8,859-84.3% | $7,234-80.7% |