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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 | $243,700 | $63,703+282.6% | $93,063+161.9% | $82,448+195.6% |
| Participation rate | 53.6% | 63.8%-10.3pp | 72.1%-18.5pp | 68.1%-14.5pp |
| Annual return | 15.97% | -775.43%+791.4pp | 34.15%-18.2pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,667 | $1,729-3.5% | $2,476-32.7% | $2,551-34.6% |
| Participant deferral / active EE | $4,176 | $2,919+43.1% | $3,958+5.5% | $4,139+0.9% |
| Admin fee / account holder | $21,460 | $5,982+258.7% | $6,033+255.7% | $7,234+196.6% |