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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 | $193,410 | $76,407+153.1% | $150,298+28.7% | $82,448+134.6% |
| Participation rate | 60.0% | 66.4%-6.4pp | 77.8%-17.8pp | 68.1%-8.1pp |
| Annual return | 17.18% | 39.99%-22.8pp | 62.79%-45.6pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,711 | $2,614-34.5% | $4,154-58.8% | $2,551-32.9% |
| Participant deferral / active EE | $4,087 | $3,214+27.1% | $5,453-25.1% | $4,139-1.3% |
| Admin fee / account holder | $10,361 | $6,352+63.1% | $14,116-26.6% | $7,234+43.2% |