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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 | $163,545 | $51,222+219.3% | $70,544+131.8% | $75,173+117.6% |
| Participation rate | 37.5% | 61.0%-23.5pp | 68.4%-30.9pp | 67.2%-29.7pp |
| Annual return | 20.47% | 30.06%-9.6pp | 32.79%-12.3pp | 160.72%-140.3pp |
| Employer contribution / active EE | $1,536 | $1,827-15.9% | $2,976-48.4% | $2,671-42.5% |
| Participant deferral / active EE | $3,309 | $2,850+16.1% | $4,568-27.6% | $4,126-19.8% |
| Admin fee / account holder | $6,168 | $4,096+50.6% | $6,427-4.0% | $5,651+9.2% |