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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 | $163,672 | $114,119+43.4% | $107,187+52.7% | $138,895+17.8% |
| Participation rate | 31.3% | 78.1%-46.8pp | 75.0%-43.8pp | 79.9%-48.7pp |
| Annual return | 18.13% | 273.21%-255.1pp | 204.55%-186.4pp | 145.39%-127.3pp |
| Employer contribution / active EE | $1,220 | $4,059-69.9% | $3,782-67.7% | $4,194-70.9% |
| Participant deferral / active EE | $3,723 | $5,538-32.8% | $5,096-26.9% | $6,396-41.8% |
| Admin fee / account holder | $2,148 | $10,024-78.6% | $9,162-76.6% | $12,562-82.9% |