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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 | $101,778+95.8% | $164,975+20.8% | $80,925+146.3% |
| Participation rate | 32.0% | 71.8%-39.8pp | 78.6%-46.6pp | 67.7%-35.7pp |
| Annual return | 13.39% | 16.73%-3.3pp | 70.12%-56.7pp | 35.65%-22.3pp |
| 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% | $4,299-26.8% |
| Admin fee / account holder | $61,318 | $8,221+645.9% | $12,688+383.3% | $6,940+783.5% |