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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 | $222,310 | $59,804+271.7% | $81,982+171.2% | $79,856+178.4% |
| Participation rate | 24.7% | 61.6%-37.0pp | 69.3%-44.6pp | 69.6%-45.0pp |
| Annual return | 17.27% | 17.56%-0.3pp | 41.31%-24.0pp | 31.71%-14.4pp |
| Employer contribution / active EE | $1,190 | $1,713-30.5% | $2,498-52.4% | $2,471-51.8% |
| Participant deferral / active EE | $2,203 | $2,695-18.3% | $3,722-40.8% | $3,741-41.1% |
| Admin fee / account holder | $6,876 | $4,288+60.3% | $5,665+21.4% | $5,306+29.6% |