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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 | $146,163 | $29,319+398.5% | $52,425+178.8% | $82,448+77.3% |
| Participation rate | 36.0% | 46.9%-10.9pp | 55.6%-19.6pp | 68.1%-32.1pp |
| Annual return | 20.02% | 535.20%-515.2pp | 302.12%-282.1pp | 41.64%-21.6pp |
| Employer contribution / active EE | $716 | $586+22.1% | $914-21.7% | $2,551-71.9% |
| Participant deferral / active EE | $3,380 | $1,171+188.5% | $1,790+88.8% | $4,139-18.4% |
| Admin fee / account holder | $1,592 | $1,962-18.9% | $2,495-36.2% | $7,234-78.0% |