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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 | $108,673 | $63,354+71.5% | $94,105+15.5% | $82,637+31.5% |
| Participation rate | 53.6% | 63.8%-10.2pp | 71.9%-18.3pp | 68.1%-14.4pp |
| Annual return | 13.34% | 34.36%-21.0pp | 204.55%-191.2pp | 53.51%-40.2pp |
| Employer contribution / active EE | $463 | $1,760-73.7% | $2,504-81.5% | $2,552-81.8% |
| Participant deferral / active EE | $3,626 | $2,873+26.2% | $3,881-6.6% | $4,126-12.1% |
| Admin fee / account holder | $14,585 | $5,073+187.5% | $6,199+135.3% | $7,339+98.7% |