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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 | $193,373 | $58,099+232.8% | $76,902+151.5% | $75,177+157.2% |
| Participation rate | 40.0% | 63.9%-23.9pp | 69.6%-29.6pp | 67.2%-27.2pp |
| Annual return | 15.84% | 26.71%-10.9pp | 37.91%-22.1pp | 160.75%-144.9pp |
| Employer contribution / active EE | $2,210 | $1,996+10.8% | $2,534-12.8% | $2,671-17.3% |
| Participant deferral / active EE | $3,941 | $2,999+31.4% | $3,833+2.8% | $4,126-4.5% |
| Admin fee / account holder | $18,842 | $4,778+294.4% | $5,479+243.9% | $5,651+233.4% |