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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 | $216,083 | $97,648+121.3% | $121,663+77.6% | $87,485+147.0% |
| Participation rate | 62.1% | 70.5%-8.4pp | 74.5%-12.4pp | 68.9%-6.8pp |
| Annual return | 13.08% | 18.03%-4.9pp | 147.54%-134.5pp | 26.06%-13.0pp |
| Employer contribution / active EE | $1,145 | $2,300-50.2% | $3,020-62.1% | $2,596-55.9% |
| Participant deferral / active EE | $5,059 | $3,923+28.9% | $4,887+3.5% | $4,274+18.4% |
| Admin fee / account holder | $6,237 | $11,100-43.8% | $14,289-56.4% | $7,775-19.8% |