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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 | $107,627 | $45,343+137.4% | $150,298-28.4% | $67,986+58.3% |
| Participation rate | 40.3% | 51.9%-11.5pp | 77.8%-37.4pp | 57.2%-16.9pp |
| Annual return | 16.93% | 33.28%-16.3pp | 62.79%-45.9pp | 31.67%-14.7pp |
| Employer contribution / active EE | $1,052 | $1,462-28.1% | $4,154-74.7% | $2,019-47.9% |
| Participant deferral / active EE | $2,726 | $2,055+32.7% | $5,453-50.0% | $3,358-18.8% |
| Admin fee / account holder | $2,866 | $2,250+27.4% | $14,116-79.7% | $3,203-10.5% |