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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 | $168,316 | $91,760+83.4% | $156,181+7.8% | $67,986+147.6% |
| Participation rate | 28.1% | 65.0%-36.9pp | 78.8%-50.7pp | 57.2%-29.1pp |
| Annual return | 15.27% | 18.14%-2.9pp | 64.87%-49.6pp | 31.67%-16.4pp |
| Employer contribution / active EE | $1,447 | $2,419-40.2% | $4,294-66.3% | $2,019-28.3% |
| Participant deferral / active EE | $2,367 | $3,960-40.2% | $6,132-61.4% | $3,358-29.5% |
| Admin fee / account holder | $5,556 | $3,949+40.7% | $14,586-61.9% | $3,203+73.5% |