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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 | $78,690+145.8% | $161,489+19.8% | $87,485+121.1% |
| Participation rate | 60.0% | 67.5%-7.5pp | 78.7%-18.7pp | 68.9%-8.9pp |
| Annual return | 17.18% | 32.74%-15.6pp | 89.72%-72.5pp | 26.06%-8.9pp |
| Employer contribution / active EE | $1,711 | $2,588-33.9% | $4,268-59.9% | $2,596-34.1% |
| Participant deferral / active EE | $4,087 | $3,311+23.4% | $5,630-27.4% | $4,274-4.4% |
| Admin fee / account holder | $10,361 | $6,724+54.1% | $16,006-35.3% | $7,775+33.3% |