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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 | $124,425+65.6% | $112,040+84.0% | $137,256+50.2% |
| Participation rate | 43.8% | 79.3%-35.6pp | 76.5%-32.7pp | 80.0%-36.2pp |
| Annual return | 11.35% | 24.72%-13.4pp | 24.52%-13.2pp | 220.34%-209.0pp |
| Employer contribution / active EE | $1,178 | $3,411-65.5% | $2,954-60.1% | $4,156-71.7% |
| Participant deferral / active EE | $5,088 | $5,718-11.0% | $5,098-0.2% | $6,407-20.6% |
| Admin fee / account holder | $63,863 | $15,207+320.0% | $12,098+427.9% | $12,270+420.5% |