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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 | $171,593 | $101,763+68.6% | $164,866+4.1% | $80,874+112.2% |
| Participation rate | 45.8% | 71.8%-26.1pp | 78.6%-32.8pp | 67.6%-21.9pp |
| Annual return | 20.24% | 16.73%+3.5pp | 69.97%-49.7pp | 35.62%-15.4pp |
| Employer contribution / active EE | $966 | $2,954-67.3% | $4,343-77.7% | $2,756-64.9% |
| Participant deferral / active EE | $2,184 | $4,477-51.2% | $6,033-63.8% | $4,297-49.2% |
| Admin fee / account holder | $29,841 | $8,228+262.7% | $12,689+135.2% | $6,935+330.3% |