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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 | $151,323 | $91,559+65.3% | $133,959+13.0% | $79,858+89.5% |
| Participation rate | 22.5% | 73.3%-50.8pp | 79.8%-57.3pp | 69.6%-47.1pp |
| Annual return | 15.05% | 61.85%-46.8pp | 45.09%-30.0pp | 31.72%-16.7pp |
| Employer contribution / active EE | $1,885 | $2,384-20.9% | $3,919-51.9% | $2,471-23.7% |
| Participant deferral / active EE | $2,818 | $3,734-24.5% | $5,047-44.2% | $3,740-24.7% |
| Admin fee / account holder | $3,299 | $6,321-47.8% | $8,928-63.1% | $5,306-37.8% |