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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 | $223,550 | $78,428+185.0% | $95,960+133.0% | $79,852+180.0% |
| Participation rate | 27.2% | 73.5%-46.3pp | 77.1%-49.9pp | 69.6%-42.5pp |
| Annual return | 14.49% | 19.37%-4.9pp | 91.63%-77.1pp | 31.72%-17.2pp |
| Employer contribution / active EE | $996 | $1,945-48.8% | $2,541-60.8% | $2,471-59.7% |
| Participant deferral / active EE | $2,786 | $3,440-19.0% | $4,167-33.1% | $3,740-25.5% |
| Admin fee / account holder | $9,758 | $5,622+73.6% | $6,797+43.6% | $5,306+83.9% |