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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 | $121,868 | $57,061+113.6% | $85,063+43.3% | $80,911+50.6% |
| Participation rate | 28.8% | 56.3%-27.5pp | 67.5%-38.7pp | 67.6%-38.8pp |
| Annual return | 12.29% | 21.66%-9.4pp | 66.54%-54.3pp | 35.63%-23.3pp |
| Employer contribution / active EE | $822 | $1,799-54.3% | $2,727-69.9% | $2,756-70.2% |
| Participant deferral / active EE | $2,225 | $3,110-28.4% | $4,523-50.8% | $4,297-48.2% |
| Admin fee / account holder | $2,844 | $4,986-43.0% | $6,155-53.8% | $6,935-59.0% |