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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 | $196,396 | $101,778+93.0% | $164,975+19.0% | $80,925+142.7% |
| Participation rate | 30.0% | 71.8%-41.8pp | 78.6%-48.6pp | 67.7%-37.7pp |
| Annual return | 11.05% | 16.73%-5.7pp | 70.12%-59.1pp | 35.65%-24.6pp |
| Employer contribution / active EE | $1,410 | $2,954-52.3% | $4,343-67.5% | $2,756-48.8% |
| Participant deferral / active EE | $2,766 | $4,477-38.2% | $6,033-54.2% | $4,299-35.6% |
| Admin fee / account holder | $958 | $8,221-88.4% | $12,688-92.5% | $6,940-86.2% |