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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 | $191,569 | $72,492+164.3% | $87,104+119.9% | $72,975+162.5% |
| Participation rate | 28.6% | 72.8%-44.2pp | 76.9%-48.3pp | 69.5%-40.9pp |
| Annual return | 24.51% | 24.46%+0.1pp | 28.19%-3.7pp | 81.01%-56.5pp |
| Employer contribution / active EE | $1,066 | $1,894-43.7% | $2,521-57.7% | $2,440-56.3% |
| Participant deferral / active EE | $2,747 | $3,270-16.0% | $4,048-32.1% | $3,608-23.8% |
| Admin fee / account holder | $1,042 | $5,055-79.4% | $7,491-86.1% | $5,124-79.7% |