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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 | $161,374 | $76,407+111.2% | $150,298+7.4% | $82,448+95.7% |
| Participation rate | 32.3% | 66.4%-34.1pp | 77.8%-45.5pp | 68.1%-35.8pp |
| Annual return | 17.54% | 39.99%-22.5pp | 62.79%-45.2pp | 41.64%-24.1pp |
| Employer contribution / active EE | $767 | $2,614-70.7% | $4,154-81.5% | $2,551-69.9% |
| Participant deferral / active EE | $1,890 | $3,214-41.2% | $5,453-65.3% | $4,139-54.3% |
| Admin fee / account holder | $1,459 | $6,352-77.0% | $14,116-89.7% | $7,234-79.8% |