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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 | $198,742 | $136,860+45.2% | $120,344+65.1% | $154,746+28.4% |
| Participation rate | 43.5% | 79.9%-36.4pp | 76.7%-33.2pp | 80.7%-37.2pp |
| Annual return | 13.40% | 21.38%-8.0pp | 20.30%-6.9pp | 172.34%-158.9pp |
| Employer contribution / active EE | $1,251 | $3,533-64.6% | $3,020-58.6% | $4,379-71.4% |
| Participant deferral / active EE | $4,742 | $5,793-18.1% | $5,135-7.6% | $6,730-29.5% |
| Admin fee / account holder | $5,036 | $15,393-67.3% | $12,742-60.5% | $14,365-64.9% |