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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 | $149,821 | $88,672+69.0% | $105,223+42.4% | $82,448+81.7% |
| Participation rate | 27.7% | 67.9%-40.3pp | 75.0%-47.4pp | 68.1%-40.4pp |
| Annual return | 21.49% | 30.86%-9.4pp | 180.65%-159.2pp | 41.64%-20.1pp |
| Employer contribution / active EE | $1,020 | $3,048-66.5% | $3,689-72.3% | $2,551-60.0% |
| Participant deferral / active EE | $3,747 | $4,036-7.2% | $5,072-26.1% | $4,139-9.5% |
| Admin fee / account holder | $1,078 | $7,146-84.9% | $8,859-87.8% | $7,234-85.1% |