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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 | $219,771 | $65,027+238.0% | $90,970+141.6% | $79,852+175.2% |
| Participation rate | 36.6% | 61.6%-25.0pp | 69.0%-32.4pp | 69.6%-33.0pp |
| Annual return | 20.45% | 30.45%-10.0pp | 134.58%-114.1pp | 31.72%-11.3pp |
| Employer contribution / active EE | $1,212 | $1,247-2.9% | $2,122-42.9% | $2,471-51.0% |
| Participant deferral / active EE | $3,871 | $2,512+54.1% | $3,373+14.8% | $3,740+3.5% |
| Admin fee / account holder | $2,856 | $4,535-37.0% | $5,960-52.1% | $5,306-46.2% |