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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 | $241,296 | $83,061+190.5% | $126,068+91.4% | $94,015+156.7% |
| Participation rate | 40.7% | 81.2%-40.4pp | 84.7%-44.0pp | 70.8%-30.1pp |
| Annual return | 16.49% | 20.41%-3.9pp | 15.01%+1.5pp | 17.84%-1.4pp |
| Employer contribution / active EE | $0 | $2,864-100.0% | $3,968-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $4,966 | $7,042-29.5% | $8,214-39.5% | $4,249+16.9% |
| Admin fee / account holder | $6,566 | $7,208-8.9% | $18,264-64.1% | $8,951-26.7% |