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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 | $204,081 | $76,696+166.1% | $96,515+111.5% | $71,511+185.4% |
| Participation rate | 39.0% | 66.6%-27.5pp | 74.3%-35.3pp | 67.9%-28.9pp |
| Annual return | 24.11% | 48.32%-24.2pp | 35.73%-11.6pp | 28.86%-4.7pp |
| Employer contribution / active EE | $1,074 | $3,032-64.6% | $3,740-71.3% | $2,589-58.5% |
| Participant deferral / active EE | $2,610 | $3,770-30.8% | $4,880-46.5% | $4,291-39.2% |
| Admin fee / account holder | $7,568 | $2,030+272.9% | $6,735+12.4% | $1,588+376.5% |