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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 | $214,595 | $90,486+137.2% | $78,676+172.8% | $273,972-21.7% |
| Participation rate | 31.3% | 76.5%-45.3pp | 73.6%-42.3pp | 83.0%-51.8pp |
| Annual return | 7.86% | 75.62%-67.8pp | 62.19%-54.3pp | 41.46%-33.6pp |
| Employer contribution / active EE | $904 | $3,175-71.5% | $2,850-68.3% | $4,869-81.4% |
| Participant deferral / active EE | $1,967 | $3,901-49.6% | $3,517-44.1% | $5,287-62.8% |
| Admin fee / account holder | $13,947 | $5,263+165.0% | $4,510+209.2% | $10,133+37.6% |