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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 | $117,739 | $91,559+28.6% | $133,971-12.1% | $79,852+47.4% |
| Participation rate | 55.3% | 73.3%-18.0pp | 79.8%-24.5pp | 69.6%-14.3pp |
| Annual return | 17.70% | 61.85%-44.1pp | 45.09%-27.4pp | 31.72%-14.0pp |
| Employer contribution / active EE | $615 | $2,384-74.2% | $3,919-84.3% | $2,471-75.1% |
| Participant deferral / active EE | $3,229 | $3,734-13.5% | $5,047-36.0% | $3,740-13.7% |
| Admin fee / account holder | $1,038 | $6,321-83.6% | $8,929-88.4% | $5,306-80.4% |