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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 | $202,905 | $86,940+133.4% | $102,434+98.1% | $80,935+150.7% |
| Participation rate | 67.6% | 72.4%-4.8pp | 76.5%-8.9pp | 67.7%-0.1pp |
| Annual return | 12.15% | 18.89%-6.7pp | 29.46%-17.3pp | 35.66%-23.5pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,171 | $4,121-47.3% | $5,055-57.1% | $4,299-49.5% |
| Admin fee / account holder | $17,018 | $8,047+111.5% | $9,462+79.9% | $6,924+145.8% |