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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 | $242,480 | $65,027+272.9% | $90,970+166.5% | $79,852+203.7% |
| Participation rate | 53.7% | 61.6%-8.0pp | 69.0%-15.4pp | 69.6%-16.0pp |
| Annual return | 12.53% | 30.45%-17.9pp | 134.58%-122.1pp | 31.72%-19.2pp |
| Employer contribution / active EE | $1,159 | $1,247-7.1% | $2,122-45.4% | $2,471-53.1% |
| Participant deferral / active EE | $2,627 | $2,512+4.6% | $3,373-22.1% | $3,740-29.8% |
| Admin fee / account holder | $11,343 | $4,535+150.1% | $5,960+90.3% | $5,306+113.8% |