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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 | $195,544 | $124,425+57.2% | $112,040+74.5% | $137,256+42.5% |
| Participation rate | 27.8% | 79.3%-51.5pp | 76.5%-48.7pp | 80.0%-52.2pp |
| Annual return | 15.12% | 24.72%-9.6pp | 24.52%-9.4pp | 220.34%-205.2pp |
| Employer contribution / active EE | $1,357 | $3,411-60.2% | $2,954-54.1% | $4,156-67.3% |
| Participant deferral / active EE | $5,587 | $5,718-2.3% | $5,098+9.6% | $6,407-12.8% |
| Admin fee / account holder | $1,050 | $15,207-93.1% | $12,098-91.3% | $12,270-91.4% |