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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 | $115,474 | $60,349+91.3% | $74,184+55.7% | $62,881+83.6% |
| Participation rate | 65.5% | 72.7%-7.2pp | 76.6%-11.1pp | 69.3%-3.8pp |
| Annual return | 8.46% | 21.38%-12.9pp | 17.74%-9.3pp | 20.14%-11.7pp |
| Employer contribution / active EE | $650 | $1,680-61.3% | $2,370-72.6% | $2,281-71.5% |
| Participant deferral / active EE | $4,245 | $2,856+48.6% | $3,550+19.6% | $3,203+32.5% |
| Admin fee / account holder | $356 | $4,261-91.6% | $5,586-93.6% | $4,296-91.7% |