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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 | $196,755 | $55,902+252.0% | $76,030+158.8% | $80,959+143.0% |
| Participation rate | 38.3% | 62.1%-23.7pp | 69.1%-30.7pp | 67.7%-29.3pp |
| Annual return | 16.81% | 20.59%-3.8pp | 361.54%-344.7pp | 35.67%-18.9pp |
| Employer contribution / active EE | $4,555 | $1,867+144.0% | $2,688+69.5% | $2,757+65.2% |
| Participant deferral / active EE | $3,103 | $3,051+1.7% | $4,257-27.1% | $4,300-27.8% |
| Admin fee / account holder | $3,905 | $5,239-25.5% | $6,421-39.2% | $6,925-43.6% |