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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 | $163,184 | $81,262+100.8% | $155,602+4.9% | $80,911+101.7% |
| Participation rate | 25.5% | 66.2%-40.7pp | 78.2%-52.7pp | 67.6%-42.2pp |
| Annual return | 10.92% | 33.34%-22.4pp | 64.81%-53.9pp | 35.63%-24.7pp |
| Employer contribution / active EE | $699 | $3,102-77.5% | $4,675-85.1% | $2,756-74.6% |
| Participant deferral / active EE | $1,935 | $3,451-43.9% | $5,629-65.6% | $4,297-55.0% |
| Admin fee / account holder | $2,834 | $7,992-64.5% | $15,923-82.2% | $6,935-59.1% |