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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 | $122,621 | $57,140+114.6% | $85,240+43.9% | $80,959+51.5% |
| Participation rate | 50.0% | 56.4%-6.4pp | 67.5%-17.5pp | 67.7%-17.7pp |
| Annual return | 10.64% | 21.71%-11.1pp | 66.75%-56.1pp | 35.67%-25.0pp |
| Employer contribution / active EE | $823 | $1,802-54.3% | $2,735-69.9% | $2,757-70.2% |
| Participant deferral / active EE | $1,662 | $3,115-46.7% | $4,527-63.3% | $4,300-61.4% |
| Admin fee / account holder | $1,343 | $4,992-73.1% | $6,165-78.2% | $6,925-80.6% |