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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 | $114,766 | $81,358+41.1% | $155,556-26.2% | $80,959+41.8% |
| Participation rate | 30.6% | 66.3%-35.7pp | 78.2%-47.7pp | 67.7%-37.1pp |
| Annual return | 18.19% | 33.39%-15.2pp | 64.84%-46.7pp | 35.67%-17.5pp |
| Employer contribution / active EE | $921 | $3,106-70.3% | $4,675-80.3% | $2,757-66.6% |
| Participant deferral / active EE | $3,116 | $3,455-9.8% | $5,631-44.7% | $4,300-27.5% |
| Admin fee / account holder | $2,795 | $7,994-65.0% | $15,885-82.4% | $6,925-59.6% |