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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 | $189,955 | $63,354+199.8% | $94,105+101.9% | $82,637+129.9% |
| Participation rate | 40.0% | 63.8%-23.8pp | 71.9%-31.9pp | 68.1%-28.1pp |
| Annual return | 16.07% | 34.36%-18.3pp | 204.55%-188.5pp | 53.51%-37.4pp |
| Employer contribution / active EE | $1,673 | $1,760-4.9% | $2,504-33.2% | $2,552-34.5% |
| Participant deferral / active EE | $3,883 | $2,873+35.1% | $3,881+0.1% | $4,126-5.9% |
| Admin fee / account holder | $4,058 | $5,073-20.0% | $6,199-34.5% | $7,339-44.7% |