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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 | $171,130 | $76,551+123.6% | $123,894+38.1% | $62,881+172.1% |
| Participation rate | 48.0% | 73.0%-25.0pp | 81.4%-33.4pp | 69.3%-21.3pp |
| Annual return | 6.06% | 18.68%-12.6pp | 47.52%-41.5pp | 20.14%-14.1pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,973 | $4,840+23.4% | $5,984-0.2% | $3,203+86.5% |
| Admin fee / account holder | $7,684 | $4,826+59.2% | $8,357-8.1% | $4,296+78.9% |