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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 | $219,567 | $61,125+259.2% | $94,057+133.4% | $87,485+151.0% |
| Participation rate | 45.5% | 64.1%-18.6pp | 73.3%-27.9pp | 68.9%-23.5pp |
| Annual return | 14.05% | 35.20%-21.1pp | 480.62%-466.6pp | 26.06%-12.0pp |
| Employer contribution / active EE | $1,488 | $2,136-30.4% | $2,933-49.3% | $2,596-42.7% |
| Participant deferral / active EE | $3,182 | $3,260-2.4% | $4,709-32.4% | $4,274-25.5% |
| Admin fee / account holder | $12,452 | $5,629+121.2% | $7,244+71.9% | $7,775+60.2% |