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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 | $196,715 | $86,949+126.2% | $102,460+92.0% | $80,959+143.0% |
| Participation rate | 39.6% | 72.4%-32.8pp | 76.5%-36.9pp | 67.7%-28.0pp |
| Annual return | 19.77% | 18.89%+0.9pp | 29.47%-9.7pp | 35.67%-15.9pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,113 | $4,121-24.5% | $5,056-38.4% | $4,300-27.6% |
| Admin fee / account holder | $2,617 | $8,048-67.5% | $9,460-72.3% | $6,925-62.2% |