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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 | $138,306 | $114,013+21.3% | $103,693+33.4% | $155,188-10.9% |
| Participation rate | 20.0% | 75.2%-55.2pp | 72.6%-52.6pp | 80.8%-60.8pp |
| Annual return | 19.67% | 49.31%-29.6pp | 47.61%-27.9pp | 148.84%-129.2pp |
| Employer contribution / active EE | $420 | $3,131-86.6% | $2,920-85.6% | $4,248-90.1% |
| Participant deferral / active EE | $2,683 | $4,970-46.0% | $4,579-41.4% | $6,531-58.9% |
| Admin fee / account holder | $2,398 | $8,407-71.5% | $7,858-69.5% | $14,480-83.4% |