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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 | $248,891 | $87,059+185.9% | $105,608+135.7% | $80,925+207.6% |
| Participation rate | 48.6% | 70.4%-21.9pp | 75.3%-26.7pp | 67.7%-19.1pp |
| Annual return | 15.98% | 17.05%-1.1pp | 116.50%-100.5pp | 35.65%-19.7pp |
| Employer contribution / active EE | $1,682 | $2,396-29.8% | $3,167-46.9% | $2,756-39.0% |
| Participant deferral / active EE | $4,814 | $3,986+20.8% | $5,010-3.9% | $4,299+12.0% |
| Admin fee / account holder | $8,850 | $8,443+4.8% | $11,028-19.7% | $6,940+27.5% |