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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 | $195,666 | $88,672+120.7% | $105,223+86.0% | $82,448+137.3% |
| Participation rate | 27.0% | 67.9%-40.9pp | 75.0%-48.0pp | 68.1%-41.0pp |
| Annual return | 15.87% | 30.86%-15.0pp | 180.65%-164.8pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,004 | $3,048-67.1% | $3,689-72.8% | $2,551-60.6% |
| Participant deferral / active EE | $2,042 | $4,036-49.4% | $5,072-59.7% | $4,139-50.7% |
| Admin fee / account holder | $2,572 | $7,146-64.0% | $8,859-71.0% | $7,234-64.5% |