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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 | $189,162 | $93,064+103.3% | $74,577+153.6% | $273,970-31.0% |
| Participation rate | 50.0% | 74.9%-24.9pp | 68.1%-18.1pp | 83.0%-33.0pp |
| Annual return | 5.47% | 26.18%-20.7pp | 20.47%-15.0pp | 41.46%-36.0pp |
| Employer contribution / active EE | $3,994 | $3,160+26.4% | $2,525+58.2% | $4,869-18.0% |
| Participant deferral / active EE | $12,000 | $4,160+188.4% | $3,458+247.0% | $5,287+127.0% |
| Admin fee / account holder | $19,143 | $5,273+263.0% | $4,138+362.6% | $10,132+88.9% |