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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 | $236,628 | $97,550+142.6% | $120,344+96.6% | $87,485+170.5% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.7%-10.0pp | 68.9%-2.3pp |
| Annual return | 12.82% | 18.41%-5.6pp | 20.30%-7.5pp | 26.06%-13.2pp |
| Employer contribution / active EE | $1,648 | $2,291-28.1% | $3,020-45.4% | $2,596-36.5% |
| Participant deferral / active EE | $3,105 | $4,230-26.6% | $5,135-39.5% | $4,274-27.4% |
| Admin fee / account holder | $1,586 | $9,543-83.4% | $12,742-87.6% | $7,775-79.6% |