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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 | $245,907 | $67,894+262.2% | $89,340+175.2% | $82,448+198.3% |
| Participation rate | 45.9% | 64.0%-18.1pp | 69.6%-23.7pp | 68.1%-22.2pp |
| Annual return | 17.03% | 19.21%-2.2pp | 20.57%-3.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,005 | $1,828-45.0% | $2,231-55.0% | $2,551-60.6% |
| Participant deferral / active EE | $3,365 | $3,072+9.5% | $3,823-12.0% | $4,139-18.7% |
| Admin fee / account holder | $11,828 | $5,723+106.7% | $6,704+76.4% | $7,234+63.5% |