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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 | $109,778 | $53,774+104.1% | $134,162-18.2% | $79,856+37.5% |
| Participation rate | 26.0% | 58.8%-32.7pp | 72.2%-46.2pp | 69.6%-43.6pp |
| Annual return | 13.81% | 19.01%-5.2pp | 36.35%-22.5pp | 31.71%-17.9pp |
| Employer contribution / active EE | $498 | $1,322-62.3% | $3,705-86.6% | $2,471-79.9% |
| Participant deferral / active EE | $963 | $2,420-60.2% | $3,500-72.5% | $3,741-74.3% |
| Admin fee / account holder | $1,995 | $3,985-49.9% | $6,685-70.2% | $5,306-62.4% |