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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 | $116,051 | $80,983+43.3% | $96,544+20.2% | $75,177+54.4% |
| Participation rate | 53.8% | 71.8%-17.9pp | 76.0%-22.1pp | 67.2%-13.4pp |
| Annual return | 17.86% | 27.05%-9.2pp | 25.88%-8.0pp | 160.75%-142.9pp |
| Employer contribution / active EE | $1,076 | $2,282-52.9% | $2,966-63.7% | $2,671-59.7% |
| Participant deferral / active EE | $3,709 | $3,929-5.6% | $4,851-23.6% | $4,126-10.1% |
| Admin fee / account holder | $385 | $6,717-94.3% | $8,254-95.3% | $5,651-93.2% |