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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 | $138,295 | $57,073+142.3% | $85,126+62.5% | $80,925+70.9% |
| Participation rate | 39.0% | 56.4%-17.4pp | 67.5%-28.5pp | 67.7%-28.6pp |
| Annual return | 19.52% | 21.69%-2.2pp | 66.63%-47.1pp | 35.65%-16.1pp |
| Employer contribution / active EE | $1,445 | $1,801-19.8% | $2,731-47.1% | $2,756-47.6% |
| Participant deferral / active EE | $2,862 | $3,113-8.1% | $4,523-36.7% | $4,299-33.4% |
| Admin fee / account holder | $357 | $4,988-92.8% | $6,160-94.2% | $6,940-94.9% |