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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 | $188,886 | $81,403+132.0% | $147,027+28.5% | $87,485+115.9% |
| Participation rate | 28.8% | 63.4%-34.7pp | 73.7%-45.0pp | 68.9%-40.2pp |
| Annual return | 15.17% | 16.51%-1.3pp | 20.23%-5.1pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,075 | $2,205-51.3% | $3,626-70.4% | $2,596-58.6% |
| Participant deferral / active EE | $2,408 | $3,315-27.4% | $4,933-51.2% | $4,274-43.6% |
| Admin fee / account holder | $783 | $6,755-88.4% | $12,223-93.6% | $7,775-89.9% |