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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 | $101,798+95.8% | $165,071+20.7% | $80,935+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 | 70.17%-56.8pp | 35.66%-22.3pp |
| Employer contribution / active EE | $922 | $2,954-68.8% | $4,347-78.8% | $2,757-66.6% |
| Participant deferral / active EE | $3,145 | $4,476-29.7% | $6,035-47.9% | $4,299-26.8% |
| Admin fee / account holder | $61,318 | $8,221+645.8% | $12,695+383.0% | $6,924+785.5% |