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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 | $215,060 | $81,331+164.4% | $155,534+38.3% | $80,935+165.7% |
| Participation rate | 46.2% | 66.3%-20.1pp | 78.2%-32.1pp | 67.7%-21.5pp |
| Annual return | 16.26% | 33.37%-17.1pp | 64.92%-48.7pp | 35.66%-19.4pp |
| Employer contribution / active EE | $1,551 | $3,105-50.0% | $4,675-66.8% | $2,757-43.7% |
| Participant deferral / active EE | $5,348 | $3,454+54.8% | $5,630-5.0% | $4,299+24.4% |
| Admin fee / account holder | $3,002 | $7,999-62.5% | $15,900-81.1% | $6,924-56.6% |