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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 | $236,634 | $73,787+220.7% | $98,716+139.7% | $82,448+187.0% |
| Participation rate | 22.0% | 61.4%-39.4pp | 69.3%-47.3pp | 68.1%-46.1pp |
| Annual return | 13.92% | 18.57%-4.7pp | 31.81%-17.9pp | 41.64%-27.7pp |
| Employer contribution / active EE | $740 | $1,511-51.0% | $2,279-67.5% | $2,551-71.0% |
| Participant deferral / active EE | $1,756 | $3,081-43.0% | $4,048-56.6% | $4,139-57.6% |
| Admin fee / account holder | $41,410 | $6,500+537.1% | $8,703+375.8% | $7,234+472.4% |