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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 | $220,324 | $58,627+275.8% | $76,735+187.1% | $82,448+167.2% |
| Participation rate | 59.3% | 63.2%-4.0pp | 69.5%-10.2pp | 68.1%-8.8pp |
| Annual return | 15.38% | 39.10%-23.7pp | 29.77%-14.4pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,492 | $1,729-13.7% | $2,454-39.2% | $2,551-41.5% |
| Participant deferral / active EE | $3,625 | $3,134+15.7% | $4,088-11.3% | $4,139-12.4% |
| Admin fee / account holder | $1,959 | $5,323-63.2% | $7,189-72.7% | $7,234-72.9% |