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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 | $55,930+251.8% | $76,089+158.6% | $80,925+143.1% |
| Participation rate | 38.3% | 62.1%-23.7pp | 69.1%-30.8pp | 67.7%-29.3pp |
| Annual return | 16.81% | 20.58%-3.8pp | 360.94%-344.1pp | 35.65%-18.8pp |
| Employer contribution / active EE | $4,555 | $1,866+144.1% | $2,690+69.3% | $2,756+65.3% |
| Participant deferral / active EE | $3,103 | $3,051+1.7% | $4,259-27.1% | $4,299-27.8% |
| Admin fee / account holder | $3,905 | $5,241-25.5% | $6,418-39.2% | $6,940-43.7% |