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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 | $243,202 | $114,013+113.3% | $103,693+134.5% | $155,188+56.7% |
| Participation rate | 17.6% | 75.2%-57.6pp | 72.6%-55.0pp | 80.8%-63.2pp |
| Annual return | 18.95% | 49.31%-30.4pp | 47.61%-28.7pp | 148.84%-129.9pp |
| Employer contribution / active EE | $323 | $3,131-89.7% | $2,920-89.0% | $4,248-92.4% |
| Participant deferral / active EE | $2,810 | $4,970-43.5% | $4,579-38.6% | $6,531-57.0% |
| Admin fee / account holder | $3,082 | $8,407-63.3% | $7,858-60.8% | $14,480-78.7% |