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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 | $225,713 | $73,787+205.9% | $98,716+128.6% | $82,448+173.8% |
| Participation rate | 45.5% | 61.4%-16.0pp | 69.3%-23.8pp | 68.1%-22.6pp |
| Annual return | 15.07% | 18.57%-3.5pp | 31.81%-16.7pp | 41.64%-26.6pp |
| Employer contribution / active EE | $619 | $1,511-59.0% | $2,279-72.8% | $2,551-75.7% |
| Participant deferral / active EE | $2,666 | $3,081-13.5% | $4,048-34.1% | $4,139-35.6% |
| Admin fee / account holder | $9,802 | $6,500+50.8% | $8,703+12.6% | $7,234+35.5% |