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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 | $210,087 | $86,938+141.7% | $102,423+105.1% | $80,925+159.6% |
| Participation rate | 62.5% | 72.4%-9.9pp | 76.5%-14.0pp | 67.7%-5.2pp |
| Annual return | 17.22% | 18.89%-1.7pp | 29.42%-12.2pp | 35.65%-18.4pp |
| Employer contribution / active EE | $895 | $2,369-62.2% | $3,023-70.4% | $2,756-67.5% |
| Participant deferral / active EE | $4,264 | $4,120+3.5% | $5,054-15.6% | $4,299-0.8% |
| Admin fee / account holder | $68,169 | $8,053+746.6% | $9,455+621.0% | $6,940+882.2% |