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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 | $209,990 | $110,137+90.7% | $161,149+30.3% | $82,637+154.1% |
| Participation rate | 47.9% | 72.4%-24.5pp | 78.8%-30.9pp | 68.1%-20.2pp |
| Annual return | 18.63% | 20.69%-2.1pp | 21.16%-2.5pp | 53.51%-34.9pp |
| Employer contribution / active EE | $1,658 | $2,856-41.9% | $4,360-62.0% | $2,552-35.0% |
| Participant deferral / active EE | $5,482 | $4,575+19.8% | $6,153-10.9% | $4,126+32.9% |
| Admin fee / account holder | $1,973 | $9,467-79.2% | $15,194-87.0% | $7,339-73.1% |