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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 | $95,160 | $67,602+40.8% | $82,312+15.6% | $70,126+35.7% |
| Participation rate | 57.3% | 72.8%-15.5pp | 76.9%-19.6pp | 69.5%-12.2pp |
| Annual return | 15.92% | 21.57%-5.7pp | 25.88%-10.0pp | 73.15%-57.2pp |
| Employer contribution / active EE | $840 | $1,755-52.2% | $2,428-65.4% | $2,343-64.2% |
| Participant deferral / active EE | $2,784 | $2,987-6.8% | $3,706-24.9% | $3,332-16.4% |
| Admin fee / account holder | $3,345 | $4,512-25.9% | $5,608-40.3% | $4,645-28.0% |