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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 | $102,598 | $56,544+81.4% | $75,501+35.9% | $70,126+46.3% |
| Participation rate | 40.9% | 68.1%-27.2pp | 72.4%-31.4pp | 69.5%-28.6pp |
| Annual return | 17.82% | 23.59%-5.8pp | 27.35%-9.5pp | 73.15%-55.3pp |
| Employer contribution / active EE | $515 | $1,817-71.7% | $2,352-78.1% | $2,343-78.0% |
| Participant deferral / active EE | $3,294 | $2,580+27.7% | $3,142+4.8% | $3,332-1.1% |
| Admin fee / account holder | $1,267 | $3,827-66.9% | $5,801-78.2% | $4,645-72.7% |