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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 | $222,535 | $107,809+106.4% | $97,032+129.3% | $155,188+43.4% |
| Participation rate | 16.7% | 75.5%-58.8pp | 71.6%-54.9pp | 80.8%-64.1pp |
| Annual return | 17.88% | 38.06%-20.2pp | 35.38%-17.5pp | 148.84%-131.0pp |
| Employer contribution / active EE | $703 | $2,911-75.9% | $2,629-73.3% | $4,248-83.5% |
| Participant deferral / active EE | $3,513 | $5,129-31.5% | $4,672-24.8% | $6,531-46.2% |
| Admin fee / account holder | $2,252 | $10,717-79.0% | $9,418-76.1% | $14,480-84.5% |