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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 | $120,686 | $57,061+111.5% | $85,063+41.9% | $80,911+49.2% |
| Participation rate | 26.7% | 56.3%-29.7pp | 67.5%-40.8pp | 67.6%-41.0pp |
| Annual return | 13.06% | 21.66%-8.6pp | 66.54%-53.5pp | 35.63%-22.6pp |
| Employer contribution / active EE | $890 | $1,799-50.5% | $2,727-67.4% | $2,756-67.7% |
| Participant deferral / active EE | $2,671 | $3,110-14.1% | $4,523-40.9% | $4,297-37.8% |
| Admin fee / account holder | $2,525 | $4,986-49.4% | $6,155-59.0% | $6,935-63.6% |