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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 | $77,896+142.5% | $134,172+40.8% | $82,448+129.1% |
| Participation rate | 28.8% | 62.8%-34.0pp | 72.5%-43.7pp | 68.1%-39.3pp |
| Annual return | 15.17% | 18.21%-3.0pp | 25.30%-10.1pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,075 | $2,159-50.2% | $3,420-68.6% | $2,551-57.9% |
| Participant deferral / active EE | $2,408 | $3,162-23.8% | $4,690-48.7% | $4,139-41.8% |
| Admin fee / account holder | $783 | $6,336-87.6% | $12,016-93.5% | $7,234-89.2% |