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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 | $206,110 | $136,860+50.6% | $120,344+71.3% | $154,746+33.2% |
| Participation rate | 43.8% | 79.9%-36.1pp | 76.7%-33.0pp | 80.7%-37.0pp |
| Annual return | 11.35% | 21.38%-10.0pp | 20.30%-9.0pp | 172.34%-161.0pp |
| Employer contribution / active EE | $1,178 | $3,533-66.7% | $3,020-61.0% | $4,379-73.1% |
| Participant deferral / active EE | $5,088 | $5,793-12.2% | $5,135-0.9% | $6,730-24.4% |
| Admin fee / account holder | $63,863 | $15,393+314.9% | $12,742+401.2% | $14,365+344.6% |