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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 | $198,888 | $107,809+84.5% | $90,657+119.4% | $135,380+46.9% |
| Participation rate | 57.1% | 78.0%-20.9pp | 74.0%-16.9pp | 82.6%-25.5pp |
| Annual return | 12.77% | -0.90%+13.7pp | 1.89%+10.9pp | 519.81%-507.0pp |
| Employer contribution / active EE | $2,301 | $3,018-23.8% | $2,532-9.1% | $4,779-51.9% |
| Participant deferral / active EE | $8,211 | $3,872+112.1% | $3,424+139.8% | $5,609+46.4% |
| Admin fee / account holder | $4,801 | $5,931-19.1% | $4,994-3.9% | $10,828-55.7% |