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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 | $186,803 | $110,379+69.2% | $102,412+82.4% | $145,884+28.0% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 16.04% | 24.84%-8.8pp | 24.94%-8.9pp | 551.85%-535.8pp |
| Employer contribution / active EE | $1,991 | $4,216-52.8% | $3,870-48.6% | $4,662-57.3% |
| Participant deferral / active EE | $2,740 | $5,622-51.3% | $5,060-45.9% | $6,690-59.0% |
| Admin fee / account holder | $48,154 | $9,745+394.2% | $8,388+474.1% | $13,392+259.6% |