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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 | $167,366 | $116,203+44.0% | $93,621+78.8% | $152,897+9.5% |
| Participation rate | 38.5% | 78.1%-39.6pp | 75.8%-37.4pp | 82.5%-44.0pp |
| Annual return | 23.47% | 35.96%-12.5pp | 32.76%-9.3pp | 345.43%-322.0pp |
| Employer contribution / active EE | $1,268 | $3,219-60.6% | $2,719-53.4% | $4,764-73.4% |
| Participant deferral / active EE | $4,169 | $4,605-9.5% | $4,070+2.4% | $5,851-28.7% |
| Admin fee / account holder | $1,793 | $10,751-83.3% | $7,890-77.3% | $11,599-84.5% |