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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 | $202,664 | $77,920+160.1% | $149,723+35.4% | $75,177+169.6% |
| Participation rate | 33.3% | 65.6%-32.2pp | 78.8%-45.4pp | 67.2%-33.9pp |
| Annual return | 15.56% | 31.72%-16.2pp | 134.50%-118.9pp | 160.75%-145.2pp |
| Employer contribution / active EE | $961 | $3,138-69.4% | $4,821-80.1% | $2,671-64.0% |
| Participant deferral / active EE | $3,306 | $3,411-3.1% | $5,682-41.8% | $4,126-19.9% |
| Admin fee / account holder | $1,552 | $5,951-73.9% | $13,215-88.3% | $5,651-72.5% |