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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 | $210,511 | $95,453+120.5% | $112,040+87.9% | $82,448+155.3% |
| Participation rate | 51.9% | 72.8%-20.9pp | 76.5%-24.6pp | 68.1%-16.2pp |
| Annual return | 17.31% | 23.92%-6.6pp | 24.52%-7.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,687 | $2,318-27.2% | $2,954-42.9% | $2,551-33.9% |
| Participant deferral / active EE | $3,616 | $4,224-14.4% | $5,098-29.1% | $4,139-12.6% |
| Admin fee / account holder | $2,624 | $9,013-70.9% | $12,098-78.3% | $7,234-63.7% |