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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 | $106,911 | $72,273+47.9% | $101,275+5.6% | $79,856+33.9% |
| Participation rate | 16.7% | 68.5%-51.8pp | 75.8%-59.1pp | 69.6%-53.0pp |
| Annual return | 18.37% | 22.30%-3.9pp | 46.48%-28.1pp | 31.71%-13.3pp |
| Employer contribution / active EE | $835 | $2,691-69.0% | $3,660-77.2% | $2,471-66.2% |
| Participant deferral / active EE | $2,802 | $3,282-14.6% | $4,371-35.9% | $3,741-25.1% |
| Admin fee / account holder | $1,459 | $4,401-66.9% | $5,948-75.5% | $5,306-72.5% |