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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 | $239,490 | $65,364+266.4% | $92,909+157.8% | $72,975+228.2% |
| Participation rate | 29.2% | 68.3%-39.1pp | 76.0%-46.8pp | 69.5%-40.3pp |
| Annual return | 20.45% | 42.11%-21.7pp | 109.44%-89.0pp | 81.01%-60.6pp |
| Employer contribution / active EE | $1,378 | $2,594-46.9% | $3,653-62.3% | $2,440-43.5% |
| Participant deferral / active EE | $3,472 | $3,128+11.0% | $4,238-18.1% | $3,608-3.8% |
| Admin fee / account holder | $1,289 | $4,251-69.7% | $5,795-77.7% | $5,124-74.8% |