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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 | $229,091 | $93,345+145.4% | $119,126+92.3% | $87,485+161.9% |
| Participation rate | 34.5% | 68.7%-34.3pp | 75.8%-41.3pp | 68.9%-34.4pp |
| Annual return | 15.90% | 19.08%-3.2pp | 282.11%-266.2pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,364 | $3,172-57.0% | $4,034-66.2% | $2,596-47.5% |
| Participant deferral / active EE | $5,680 | $4,099+38.6% | $5,318+6.8% | $4,274+32.9% |
| Admin fee / account holder | $13,791 | $8,039+71.6% | $10,693+29.0% | $7,775+77.4% |