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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 | $163,231 | $81,276+100.8% | $155,574+4.9% | $80,925+101.7% |
| Participation rate | 21.2% | 66.2%-45.0pp | 78.2%-57.0pp | 67.7%-46.4pp |
| Annual return | 12.36% | 33.36%-21.0pp | 64.87%-52.5pp | 35.65%-23.3pp |
| Employer contribution / active EE | $745 | $3,103-76.0% | $4,676-84.1% | $2,756-73.0% |
| Participant deferral / active EE | $1,129 | $3,453-67.3% | $5,629-80.0% | $4,299-73.7% |
| Admin fee / account holder | $2,727 | $7,993-65.9% | $15,914-82.9% | $6,940-60.7% |