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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 | $112,504 | $57,590+95.4% | $86,233+30.5% | $82,448+36.5% |
| Participation rate | 18.2% | 57.9%-39.7pp | 69.0%-50.8pp | 68.1%-49.9pp |
| Annual return | 15.22% | 22.41%-7.2pp | 61.39%-46.2pp | 41.64%-26.4pp |
| Employer contribution / active EE | $972 | $1,655-41.3% | $2,504-61.2% | $2,551-61.9% |
| Participant deferral / active EE | $2,213 | $3,080-28.2% | $4,559-51.5% | $4,139-46.5% |
| Admin fee / account holder | $2,610 | $4,730-44.8% | $8,342-68.7% | $7,234-63.9% |