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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 | $222,689 | $108,882+104.5% | $96,754+130.2% | $154,746+43.9% |
| Participation rate | 11.8% | 75.1%-63.3pp | 70.3%-58.5pp | 80.7%-68.9pp |
| Annual return | 18.07% | 98.39%-80.3pp | 82.04%-64.0pp | 172.34%-154.3pp |
| Employer contribution / active EE | $623 | $3,018-79.4% | $2,679-76.8% | $4,379-85.8% |
| Participant deferral / active EE | $3,834 | $5,323-28.0% | $4,758-19.4% | $6,730-43.0% |
| Admin fee / account holder | $2,028 | $10,200-80.1% | $8,905-77.2% | $14,365-85.9% |