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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 | $165,064 | $56,134+194.1% | $96,171+71.6% | $85,847+92.3% |
| Participation rate | 25.0% | 56.7%-31.7pp | 68.4%-43.4pp | 69.3%-44.3pp |
| Annual return | 11.83% | 42.30%-30.5pp | 192.04%-180.2pp | 318.61%-306.8pp |
| Employer contribution / active EE | $243 | $1,620-85.0% | $2,799-91.3% | $2,565-90.5% |
| Participant deferral / active EE | $1,504 | $2,858-47.4% | $4,350-65.4% | $3,952-62.0% |
| Admin fee / account holder | $3,286 | $3,769-12.8% | $5,538-40.7% | $6,261-47.5% |