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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 | $115,169 | $78,423+46.9% | $95,964+20.0% | $79,856+44.2% |
| Participation rate | 54.5% | 73.5%-18.9pp | 77.1%-22.5pp | 69.6%-15.1pp |
| Annual return | 10.20% | 19.37%-9.2pp | 91.64%-81.4pp | 31.71%-21.5pp |
| Employer contribution / active EE | $699 | $1,945-64.1% | $2,541-72.5% | $2,471-71.7% |
| Participant deferral / active EE | $3,224 | $3,440-6.3% | $4,167-22.6% | $3,741-13.8% |
| Admin fee / account holder | $2,289 | $5,622-59.3% | $6,797-66.3% | $5,306-56.9% |