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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 | $152,514 | $93,345+63.4% | $119,126+28.0% | $87,485+74.3% |
| Participation rate | 26.1% | 68.7%-42.7pp | 75.8%-49.7pp | 68.9%-42.8pp |
| Annual return | 23.43% | 19.08%+4.3pp | 282.11%-258.7pp | 26.06%-2.6pp |
| Employer contribution / active EE | $1,182 | $3,172-62.7% | $4,034-70.7% | $2,596-54.5% |
| Participant deferral / active EE | $2,477 | $4,099-39.6% | $5,318-53.4% | $4,274-42.0% |
| Admin fee / account holder | $3,651 | $8,039-54.6% | $10,693-65.9% | $7,775-53.0% |