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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 | $143,921 | $78,690+82.9% | $161,489-10.9% | $87,485+64.5% |
| Participation rate | 27.0% | 67.5%-40.4pp | 78.7%-51.7pp | 68.9%-41.9pp |
| Annual return | 16.97% | 32.74%-15.8pp | 89.72%-72.7pp | 26.06%-9.1pp |
| Employer contribution / active EE | $870 | $2,588-66.4% | $4,268-79.6% | $2,596-66.5% |
| Participant deferral / active EE | $3,047 | $3,311-8.0% | $5,630-45.9% | $4,274-28.7% |
| Admin fee / account holder | $4,317 | $6,724-35.8% | $16,006-73.0% | $7,775-44.5% |