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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 | $36,948+295.6% | $73,658+98.4% | $87,485+67.1% |
| Participation rate | 36.0% | 46.8%-10.8pp | 57.0%-21.0pp | 68.9%-32.9pp |
| Annual return | 20.02% | 28.64%-8.6pp | 29.72%-9.7pp | 26.06%-6.0pp |
| Employer contribution / active EE | $716 | $670+6.9% | $1,032-30.6% | $2,596-72.4% |
| Participant deferral / active EE | $3,380 | $1,379+145.1% | $2,062+63.9% | $4,274-20.9% |
| Admin fee / account holder | $1,592 | $2,531-37.1% | $3,357-52.6% | $7,775-79.5% |