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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 | $100,274 | $81,487+23.1% | $102,412-2.1% | $80,935+23.9% |
| Participation rate | 27.3% | 66.8%-39.6pp | 74.5%-47.2pp | 67.7%-40.4pp |
| Annual return | 10.48% | 25.60%-15.1pp | 24.94%-14.5pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,159 | $3,103-62.7% | $3,870-70.1% | $2,757-58.0% |
| Participant deferral / active EE | $2,928 | $3,871-24.3% | $5,060-42.1% | $4,299-31.9% |
| Admin fee / account holder | $518 | $6,717-92.3% | $8,388-93.8% | $6,924-92.5% |