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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 | $102,438 | $181,896-43.7% | $156,551-34.6% | $273,972-62.6% |
| Participation rate | 54.5% | 88.4%-33.8pp | 84.0%-29.5pp | 83.0%-28.5pp |
| Annual return | 7.35% | 30.74%-23.4pp | 32.23%-24.9pp | 41.46%-34.1pp |
| Employer contribution / active EE | $3,211 | $6,248-48.6% | $5,501-41.6% | $4,869-34.0% |
| Participant deferral / active EE | $6,987 | $5,550+25.9% | $4,871+43.4% | $5,287+32.1% |
| Admin fee / account holder | $667 | $15,560-95.7% | $13,028-94.9% | $10,133-93.4% |