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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 | $110,267 | $71,230+54.8% | $93,727+17.6% | $80,959+36.2% |
| Participation rate | 21.1% | 60.4%-39.3pp | 68.7%-47.7pp | 67.7%-46.6pp |
| Annual return | 13.79% | 11.26%+2.5pp | 133.83%-120.0pp | 35.67%-21.9pp |
| Employer contribution / active EE | $483 | $1,565-69.1% | $2,421-80.1% | $2,757-82.5% |
| Participant deferral / active EE | $1,676 | $4,037-58.5% | $4,417-62.1% | $4,300-61.0% |
| Admin fee / account holder | $511 | $6,961-92.7% | $8,292-93.8% | $6,925-92.6% |