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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 | $173,081 | $109,620+57.9% | $148,496+16.6% | $94,015+84.1% |
| Participation rate | 44.7% | 71.3%-26.5pp | 76.0%-31.3pp | 70.8%-26.1pp |
| Annual return | 13.16% | 17.54%-4.4pp | 12.33%+0.8pp | 17.84%-4.7pp |
| Employer contribution / active EE | $0 | $2,618-100.0% | $3,497-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,101 | $3,831-45.2% | $4,808-56.3% | $4,249-50.6% |
| Admin fee / account holder | $965 | $10,050-90.4% | $19,547-95.1% | $8,951-89.2% |