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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 | $93,345+60.5% | $119,126+25.8% | $87,485+71.3% |
| Participation rate | 27.7% | 68.7%-41.1pp | 75.8%-48.1pp | 68.9%-41.3pp |
| Annual return | 21.49% | 19.08%+2.4pp | 282.11%-260.6pp | 26.06%-4.6pp |
| Employer contribution / active EE | $1,020 | $3,172-67.8% | $4,034-74.7% | $2,596-60.7% |
| Participant deferral / active EE | $3,747 | $4,099-8.6% | $5,318-29.5% | $4,274-12.3% |
| Admin fee / account holder | $1,078 | $8,039-86.6% | $10,693-89.9% | $7,775-86.1% |