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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 | $176,118 | $80,705+118.2% | $115,768+52.1% | $67,986+159.1% |
| Participation rate | 41.0% | 63.0%-22.0pp | 74.4%-33.4pp | 57.2%-16.3pp |
| Annual return | 17.52% | 18.49%-1.0pp | 100.46%-82.9pp | 31.67%-14.1pp |
| Employer contribution / active EE | $1,204 | $2,046-41.2% | $2,940-59.0% | $2,019-40.4% |
| Participant deferral / active EE | $3,206 | $3,559-9.9% | $4,917-34.8% | $3,358-4.5% |
| Admin fee / account holder | $2,077 | $4,135-49.8% | $12,439-83.3% | $3,203-35.2% |