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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 | $102,949 | $76,371+34.8% | $93,621+10.0% | $72,975+41.1% |
| Participation rate | 42.3% | 71.8%-29.4pp | 75.8%-33.5pp | 69.5%-27.2pp |
| Annual return | 19.05% | 25.82%-6.8pp | 32.76%-13.7pp | 81.01%-62.0pp |
| Employer contribution / active EE | $1,238 | $2,276-45.6% | $2,719-54.5% | $2,440-49.3% |
| Participant deferral / active EE | $3,166 | $3,538-10.5% | $4,070-22.2% | $3,608-12.2% |
| Admin fee / account holder | $406 | $6,839-94.1% | $7,890-94.8% | $5,124-92.1% |