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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 | $212,169 | $81,476+160.4% | $102,383+107.2% | $80,925+162.2% |
| Participation rate | 44.4% | 66.8%-22.4pp | 74.5%-30.1pp | 67.7%-23.2pp |
| Annual return | 10.80% | 25.59%-14.8pp | 24.94%-14.1pp | 35.65%-24.9pp |
| Employer contribution / active EE | $1,727 | $3,105-44.4% | $3,870-55.4% | $2,756-37.4% |
| Participant deferral / active EE | $6,639 | $3,871+71.5% | $5,060+31.2% | $4,299+54.4% |
| Admin fee / account holder | $5,522 | $6,717-17.8% | $8,391-34.2% | $6,940-20.4% |