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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 | $191,297 | $72,269+164.7% | $101,271+88.9% | $79,852+139.6% |
| Participation rate | 46.2% | 68.5%-22.3pp | 75.8%-29.7pp | 69.6%-23.5pp |
| Annual return | 14.28% | 22.29%-8.0pp | 46.48%-32.2pp | 31.72%-17.4pp |
| Employer contribution / active EE | $967 | $2,692-64.1% | $3,660-73.6% | $2,471-60.9% |
| Participant deferral / active EE | $2,698 | $3,282-17.8% | $4,371-38.3% | $3,740-27.9% |
| Admin fee / account holder | $1,448 | $4,401-67.1% | $5,948-75.7% | $5,306-72.7% |