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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 | $115,459 | $67,894+70.1% | $89,340+29.2% | $82,448+40.0% |
| Participation rate | 32.3% | 64.0%-31.8pp | 69.6%-37.3pp | 68.1%-35.8pp |
| Annual return | 13.85% | 19.21%-5.4pp | 20.57%-6.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $394 | $1,828-78.5% | $2,231-82.4% | $2,551-84.6% |
| Participant deferral / active EE | $3,062 | $3,072-0.3% | $3,823-19.9% | $4,139-26.0% |
| Admin fee / account holder | $31,995 | $5,723+459.1% | $6,704+377.3% | $7,234+342.3% |