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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 | $115,307 | $91,559+25.9% | $133,978-13.9% | $79,856+44.4% |
| Participation rate | 32.4% | 73.3%-40.9pp | 79.8%-47.4pp | 69.6%-37.2pp |
| Annual return | 14.44% | 61.85%-47.4pp | 45.10%-30.7pp | 31.71%-17.3pp |
| Employer contribution / active EE | $880 | $2,384-63.1% | $3,919-77.5% | $2,471-64.4% |
| Participant deferral / active EE | $2,234 | $3,734-40.2% | $5,047-55.7% | $3,741-40.3% |
| Admin fee / account holder | $8,269 | $6,321+30.8% | $8,930-7.4% | $5,306+55.8% |