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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 | $199,311 | $101,763+95.9% | $164,866+20.9% | $80,874+146.4% |
| Participation rate | 32.0% | 71.8%-39.8pp | 78.6%-46.6pp | 67.6%-35.6pp |
| Annual return | 13.39% | 16.73%-3.3pp | 69.97%-56.6pp | 35.62%-22.2pp |
| Employer contribution / active EE | $922 | $2,954-68.8% | $4,343-78.8% | $2,756-66.6% |
| Participant deferral / active EE | $3,145 | $4,477-29.7% | $6,033-47.9% | $4,297-26.8% |
| Admin fee / account holder | $61,318 | $8,228+645.2% | $12,689+383.2% | $6,935+784.2% |