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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 | $121,868 | $57,119+113.4% | $85,187+43.1% | $80,935+50.6% |
| Participation rate | 28.8% | 56.4%-27.6pp | 67.5%-38.7pp | 67.7%-38.8pp |
| Annual return | 12.29% | 21.70%-9.4pp | 66.67%-54.4pp | 35.66%-23.4pp |
| Employer contribution / active EE | $822 | $1,802-54.4% | $2,732-69.9% | $2,757-70.2% |
| Participant deferral / active EE | $2,225 | $3,115-28.6% | $4,525-50.8% | $4,299-48.2% |
| Admin fee / account holder | $2,844 | $4,990-43.0% | $6,162-53.8% | $6,924-58.9% |