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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 | $118,077 | $91,198+29.5% | $178,503-33.9% | $79,856+47.9% |
| Participation rate | 31.1% | 69.2%-38.1pp | 81.9%-50.8pp | 69.6%-38.5pp |
| Annual return | 14.34% | 24.20%-9.9pp | 151.12%-136.8pp | 31.71%-17.4pp |
| Employer contribution / active EE | $780 | $3,257-76.1% | $5,011-84.4% | $2,471-68.4% |
| Participant deferral / active EE | $1,207 | $3,237-62.7% | $5,202-76.8% | $3,741-67.7% |
| Admin fee / account holder | $474 | $6,748-93.0% | $13,987-96.6% | $5,306-91.1% |