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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 | $95,453+147.9% | $112,040+111.2% | $82,448+187.0% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 12.82% | 23.92%-11.1pp | 24.52%-11.7pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,648 | $2,318-28.9% | $2,954-44.2% | $2,551-35.4% |
| Participant deferral / active EE | $3,105 | $4,224-26.5% | $5,098-39.1% | $4,139-25.0% |
| Admin fee / account holder | $1,586 | $9,013-82.4% | $12,098-86.9% | $7,234-78.1% |