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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 | $164,024 | $86,288+90.1% | $111,306+47.4% | $85,851+91.1% |
| Participation rate | 44.0% | 73.3%-29.3pp | 77.3%-33.3pp | 69.3%-25.3pp |
| Annual return | 12.91% | 19.99%-7.1pp | 54.67%-41.8pp | 318.63%-305.7pp |
| Employer contribution / active EE | $942 | $2,044-53.9% | $2,732-65.5% | $2,565-63.3% |
| Participant deferral / active EE | $2,256 | $3,641-38.0% | $4,488-49.7% | $3,952-42.9% |
| Admin fee / account holder | $2,834 | $8,189-65.4% | $7,966-64.4% | $6,261-54.7% |