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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 | $57,061+114.9% | $85,063+44.2% | $80,911+51.6% |
| Participation rate | 50.0% | 56.3%-6.3pp | 67.5%-17.5pp | 67.6%-17.6pp |
| Annual return | 10.64% | 21.66%-11.0pp | 66.54%-55.9pp | 35.63%-25.0pp |
| Employer contribution / active EE | $823 | $1,799-54.3% | $2,727-69.8% | $2,756-70.1% |
| Participant deferral / active EE | $1,662 | $3,110-46.6% | $4,523-63.3% | $4,297-61.3% |
| Admin fee / account holder | $1,343 | $4,986-73.1% | $6,155-78.2% | $6,935-80.6% |