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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 | $58,848+91.2% | $88,179+27.6% | $82,637+36.1% |
| Participation rate | 18.2% | 57.9%-39.7pp | 69.1%-51.0pp | 68.1%-49.9pp |
| Annual return | 15.22% | 22.76%-7.5pp | 64.97%-49.8pp | 53.51%-38.3pp |
| Employer contribution / active EE | $972 | $1,678-42.1% | $2,549-61.9% | $2,552-61.9% |
| Participant deferral / active EE | $2,213 | $3,124-29.2% | $4,614-52.0% | $4,126-46.4% |
| Admin fee / account holder | $2,610 | $4,795-45.6% | $7,673-66.0% | $7,339-64.4% |