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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 | $205,657 | $73,981+178.0% | $105,754+94.5% | $62,881+227.1% |
| Participation rate | 1.9% | 71.7%-69.8pp | 78.9%-77.1pp | 69.3%-67.5pp |
| Annual return | 8.30% | 17.60%-9.3pp | 12.25%-3.9pp | 20.14%-11.8pp |
| Employer contribution / active EE | $2,768 | $2,856-3.1% | $4,079-32.1% | $2,281+21.4% |
| Participant deferral / active EE | $2,707 | $4,038-33.0% | $5,326-49.2% | $3,203-15.5% |
| Admin fee / account holder | $32,167 | $5,976+438.2% | $8,309+287.1% | $4,296+648.8% |