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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 | $116,427 | $78,672+48.0% | $109,163+6.7% | $85,856+35.6% |
| Participation rate | 48.3% | 68.3%-20.0pp | 75.9%-27.6pp | 69.3%-21.0pp |
| Annual return | 16.26% | 25.09%-8.8pp | 25.75%-9.5pp | 318.58%-302.3pp |
| Employer contribution / active EE | $1,179 | $2,734-56.9% | $3,723-68.3% | $2,565-54.0% |
| Participant deferral / active EE | $2,468 | $3,467-28.8% | $4,654-47.0% | $3,952-37.6% |
| Admin fee / account holder | $410 | $5,470-92.5% | $6,754-93.9% | $6,261-93.5% |