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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 | $209,999 | $58,493+259.0% | $84,021+149.9% | $72,975+187.8% |
| Participation rate | 17.4% | 61.2%-43.8pp | 69.0%-51.6pp | 69.5%-52.1pp |
| Annual return | 21.16% | 28.93%-7.8pp | 71.32%-50.2pp | 81.01%-59.8pp |
| Employer contribution / active EE | $704 | $1,163-39.5% | $1,984-64.5% | $2,440-71.1% |
| Participant deferral / active EE | $2,457 | $2,394+2.7% | $3,239-24.1% | $3,608-31.9% |
| Admin fee / account holder | $4,159 | $4,569-9.0% | $6,102-31.8% | $5,124-18.8% |