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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 | $167,262 | $95,453+75.2% | $112,040+49.3% | $82,448+102.9% |
| Participation rate | 27.3% | 72.8%-45.5pp | 76.5%-49.2pp | 68.1%-40.8pp |
| Annual return | 18.16% | 23.92%-5.8pp | 24.52%-6.4pp | 41.64%-23.5pp |
| Employer contribution / active EE | $1,050 | $2,318-54.7% | $2,954-64.4% | $2,551-58.8% |
| Participant deferral / active EE | $2,323 | $4,224-45.0% | $5,098-54.4% | $4,139-43.9% |
| Admin fee / account holder | $18,666 | $9,013+107.1% | $12,098+54.3% | $7,234+158.0% |