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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 | $233,181 | $91,198+155.7% | $178,503+30.6% | $79,856+192.0% |
| Participation rate | 48.9% | 69.2%-20.3pp | 81.9%-33.0pp | 69.6%-20.7pp |
| Annual return | 12.18% | 24.20%-12.0pp | 151.12%-138.9pp | 31.71%-19.5pp |
| Employer contribution / active EE | $4,140 | $3,257+27.1% | $5,011-17.4% | $2,471+67.5% |
| Participant deferral / active EE | $2,924 | $3,237-9.7% | $5,202-43.8% | $3,741-21.8% |
| Admin fee / account holder | $2,761 | $6,748-59.1% | $13,987-80.3% | $5,306-48.0% |