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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 | $122,486 | $63,773+92.1% | $81,286+50.7% | $80,925+51.4% |
| Participation rate | 14.1% | 63.9%-49.8pp | 69.5%-55.4pp | 67.7%-53.6pp |
| Annual return | 10.81% | 16.37%-5.6pp | 24.80%-14.0pp | 35.65%-24.8pp |
| Employer contribution / active EE | $732 | $1,979-63.0% | $2,463-70.3% | $2,756-73.4% |
| Participant deferral / active EE | $1,171 | $3,093-62.2% | $3,883-69.9% | $4,299-72.8% |
| Admin fee / account holder | $1,777 | $5,682-68.7% | $5,764-69.2% | $6,940-74.4% |