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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 | $113,033 | $90,674+24.7% | $96,707+16.9% | $82,448+37.1% |
| Participation rate | 34.6% | 75.9%-41.3pp | 80.4%-45.7pp | 68.1%-33.5pp |
| Annual return | 15.82% | 49.05%-33.2pp | 34.78%-19.0pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,343 | $3,975-66.2% | $4,191-68.0% | $2,551-47.3% |
| Participant deferral / active EE | $2,755 | $5,696-51.6% | $5,997-54.1% | $4,139-33.4% |
| Admin fee / account holder | $1,773 | $7,568-76.6% | $7,503-76.4% | $7,234-75.5% |