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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 | $77,814+107.4% | $158,223+2.0% | $86,983+85.5% |
| Participation rate | 32.3% | 68.4%-36.2pp | 79.2%-46.9pp | 69.5%-37.3pp |
| Annual return | 17.54% | 30.54%-13.0pp | 52.09%-34.5pp | 25.83%-8.3pp |
| Employer contribution / active EE | $767 | $2,592-70.4% | $4,109-81.3% | $2,584-70.3% |
| Participant deferral / active EE | $1,890 | $3,270-42.2% | $5,467-65.4% | $4,194-54.9% |
| Admin fee / account holder | $1,459 | $5,879-75.2% | $16,047-90.9% | $7,856-81.4% |