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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 | $214,161 | $124,980+71.4% | $108,359+97.6% | $154,746+38.4% |
| Participation rate | 35.7% | 75.2%-39.5pp | 70.1%-34.4pp | 80.7%-45.0pp |
| Annual return | 18.32% | 45.00%-26.7pp | 36.89%-18.6pp | 172.34%-154.0pp |
| Employer contribution / active EE | $821 | $2,851-71.2% | $2,399-65.8% | $4,379-81.3% |
| Participant deferral / active EE | $4,982 | $4,743+5.0% | $4,137+20.4% | $6,730-26.0% |
| Admin fee / account holder | $1,703 | $11,502-85.2% | $9,741-82.5% | $14,365-88.1% |