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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 | $182,362 | $29,716+513.7% | $56,077+225.2% | $80,925+125.3% |
| Participation rate | 19.2% | 41.7%-22.5pp | 52.5%-33.3pp | 67.7%-48.4pp |
| Annual return | 18.42% | 35.30%-16.9pp | 1709.28%-1690.9pp | 35.65%-17.2pp |
| Employer contribution / active EE | $473 | $671-29.6% | $1,040-54.6% | $2,756-82.8% |
| Participant deferral / active EE | $2,184 | $1,228+77.8% | $1,954+11.8% | $4,299-49.2% |
| Admin fee / account holder | $2,073 | $2,432-14.8% | $2,825-26.6% | $6,940-70.1% |