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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 | $210,185 | $63,949+228.7% | $129,031+62.9% | $94,015+123.6% |
| Participation rate | 34.0% | 63.4%-29.4pp | 73.4%-39.3pp | 70.8%-36.8pp |
| Annual return | 21.50% | 17.56%+3.9pp | 34.67%-13.2pp | 17.84%+3.7pp |
| Employer contribution / active EE | $1,289 | $1,865-30.9% | $3,226-60.0% | $2,790-53.8% |
| Participant deferral / active EE | $2,494 | $3,686-32.3% | $5,217-52.2% | $4,249-41.3% |
| Admin fee / account holder | $474 | $5,523-91.4% | $13,208-96.4% | $8,951-94.7% |