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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 | $226,622 | $64,890+249.2% | $134,172+68.9% | $67,986+233.3% |
| Participation rate | 29.4% | 48.5%-19.2pp | 72.5%-43.1pp | 57.2%-27.8pp |
| Annual return | 27.17% | 16.12%+11.1pp | 25.30%+1.9pp | 31.67%-4.5pp |
| Employer contribution / active EE | $940 | $1,360-30.8% | $3,420-72.5% | $2,019-53.4% |
| Participant deferral / active EE | $2,556 | $2,289+11.7% | $4,690-45.5% | $3,358-23.9% |
| Admin fee / account holder | $2,367 | $3,140-24.6% | $12,016-80.3% | $3,203-26.1% |