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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 | $125,935 | $71,197+76.9% | $93,669+34.4% | $80,925+55.6% |
| Participation rate | 52.4% | 60.4%-8.0pp | 68.7%-16.3pp | 67.7%-15.3pp |
| Annual return | 13.82% | 11.27%+2.6pp | 133.59%-119.8pp | 35.65%-21.8pp |
| Employer contribution / active EE | $820 | $1,565-47.6% | $2,424-66.2% | $2,756-70.3% |
| Participant deferral / active EE | $2,311 | $4,036-42.7% | $4,416-47.7% | $4,299-46.2% |
| Admin fee / account holder | $3,577 | $6,959-48.6% | $8,291-56.9% | $6,940-48.5% |