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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 | $164,746 | $88,672+85.8% | $105,223+56.6% | $82,448+99.8% |
| Participation rate | 44.4% | 67.9%-23.5pp | 75.0%-30.6pp | 68.1%-23.6pp |
| Annual return | 18.13% | 30.86%-12.7pp | 180.65%-162.5pp | 41.64%-23.5pp |
| Employer contribution / active EE | $1,390 | $3,048-54.4% | $3,689-62.3% | $2,551-45.5% |
| Participant deferral / active EE | $3,511 | $4,036-13.0% | $5,072-30.8% | $4,139-15.2% |
| Admin fee / account holder | $1,594 | $7,146-77.7% | $8,859-82.0% | $7,234-78.0% |