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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 | $199,646 | $81,276+145.6% | $155,574+28.3% | $80,925+146.7% |
| Participation rate | 46.2% | 66.2%-20.1pp | 78.2%-32.1pp | 67.7%-21.5pp |
| Annual return | 17.15% | 33.36%-16.2pp | 64.87%-47.7pp | 35.65%-18.5pp |
| Employer contribution / active EE | $2,202 | $3,103-29.0% | $4,676-52.9% | $2,756-20.1% |
| Participant deferral / active EE | $4,330 | $3,453+25.4% | $5,629-23.1% | $4,299+0.7% |
| Admin fee / account holder | $3,569 | $7,993-55.3% | $15,914-77.6% | $6,940-48.6% |