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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 | $72,607+238.7% | $90,259+172.4% | $87,485+181.1% |
| Participation rate | 45.9% | 64.8%-18.9pp | 70.7%-24.8pp | 68.9%-23.0pp |
| Annual return | 17.03% | 18.59%-1.6pp | 18.88%-1.8pp | 26.06%-9.0pp |
| Employer contribution / active EE | $1,005 | $1,919-47.6% | $2,291-56.1% | $2,596-61.3% |
| Participant deferral / active EE | $3,365 | $3,055+10.2% | $3,827-12.1% | $4,274-21.3% |
| Admin fee / account holder | $11,828 | $5,947+98.9% | $7,267+62.8% | $7,775+52.1% |