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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 | $208,016 | $81,331+155.8% | $155,534+33.7% | $80,935+157.0% |
| Participation rate | 40.0% | 66.3%-26.3pp | 78.2%-38.2pp | 67.7%-27.7pp |
| Annual return | 10.75% | 33.37%-22.6pp | 64.92%-54.2pp | 35.66%-24.9pp |
| Employer contribution / active EE | $923 | $3,105-70.3% | $4,675-80.3% | $2,757-66.5% |
| Participant deferral / active EE | $5,484 | $3,454+58.8% | $5,630-2.6% | $4,299+27.6% |
| Admin fee / account holder | $6,761 | $7,999-15.5% | $15,900-57.5% | $6,924-2.4% |