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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 | $172,108 | $48,078+258.0% | $78,676+118.8% | $62,881+173.7% |
| Participation rate | 27.3% | 65.2%-37.9pp | 73.6%-46.3pp | 69.3%-42.0pp |
| Annual return | 8.32% | 31.36%-23.0pp | 62.19%-53.9pp | 20.14%-11.8pp |
| Employer contribution / active EE | $744 | $2,015-63.1% | $2,850-73.9% | $2,281-67.4% |
| Participant deferral / active EE | $2,030 | $2,587-21.5% | $3,517-42.3% | $3,203-36.6% |
| Admin fee / account holder | $4,096 | $3,206+27.8% | $4,510-9.2% | $4,296-4.6% |