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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 | $145,710 | $91,559+59.1% | $133,971+8.8% | $79,852+82.5% |
| Participation rate | 40.6% | 73.3%-32.7pp | 79.8%-39.2pp | 69.6%-29.0pp |
| Annual return | 14.24% | 61.85%-47.6pp | 45.09%-30.9pp | 31.72%-17.5pp |
| Employer contribution / active EE | $744 | $2,384-68.8% | $3,919-81.0% | $2,471-69.9% |
| Participant deferral / active EE | $2,551 | $3,734-31.7% | $5,047-49.5% | $3,740-31.8% |
| Admin fee / account holder | $3,415 | $6,321-46.0% | $8,929-61.8% | $5,306-35.6% |