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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 | $192,847 | $58,627+228.9% | $76,735+151.3% | $82,448+133.9% |
| Participation rate | 33.3% | 63.2%-29.9pp | 69.5%-36.2pp | 68.1%-34.7pp |
| Annual return | 19.19% | 39.10%-19.9pp | 29.77%-10.6pp | 41.64%-22.4pp |
| Employer contribution / active EE | $1,580 | $1,729-8.6% | $2,454-35.6% | $2,551-38.0% |
| Participant deferral / active EE | $5,551 | $3,134+77.1% | $4,088+35.8% | $4,139+34.1% |
| Admin fee / account holder | $1,517 | $5,323-71.5% | $7,189-78.9% | $7,234-79.0% |