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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 | $147,254 | $36,844+299.7% | $83,854+75.6% | $65,306+125.5% |
| Participation rate | 31.0% | 29.2%+1.8pp | 59.1%-28.1pp | 57.7%-26.6pp |
| Annual return | 16.39% | 22.28%-5.9pp | 31.39%-15.0pp | 21.94%-5.6pp |
| Employer contribution / active EE | $1,029 | $415+147.9% | $1,017+1.1% | $1,967-47.7% |
| Participant deferral / active EE | $1,842 | $1,040+77.2% | $2,035-9.5% | $2,959-37.8% |
| Admin fee / account holder | $1,893 | $2,546-25.6% | $3,197-40.8% | $3,480-45.6% |