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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 | $241,773 | $51,638+368.2% | $68,368+253.6% | $82,448+193.2% |
| Participation rate | 30.0% | 63.6%-33.6pp | 73.8%-43.8pp | 68.1%-38.1pp |
| Annual return | 18.15% | 37.53%-19.4pp | 292.57%-274.4pp | 41.64%-23.5pp |
| Employer contribution / active EE | $1,128 | $2,047-44.9% | $2,649-57.4% | $2,551-55.8% |
| Participant deferral / active EE | $3,057 | $2,914+4.9% | $4,123-25.9% | $4,139-26.2% |
| Admin fee / account holder | $7,587 | $4,643+63.4% | $5,150+47.3% | $7,234+4.9% |