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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 | $113,259 | $106,749+6.1% | $145,433-22.1% | $82,448+37.4% |
| Participation rate | 39.5% | 75.6%-36.2pp | 82.1%-42.6pp | 68.1%-28.6pp |
| Annual return | 15.76% | 27.59%-11.8pp | 66.58%-50.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,263 | $3,444-63.3% | $4,554-72.3% | $2,551-50.5% |
| Participant deferral / active EE | $2,933 | $6,519-55.0% | $7,897-62.9% | $4,139-29.1% |
| Admin fee / account holder | $9,515 | $8,390+13.4% | $13,129-27.5% | $7,234+31.5% |