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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 | $127,545 | $58,523+117.9% | $99,475+28.2% | $72,975+74.8% |
| Participation rate | 19.1% | 64.6%-45.5pp | 73.8%-54.7pp | 69.5%-50.3pp |
| Annual return | 20.60% | 28.51%-7.9pp | 30.72%-10.1pp | 81.01%-60.4pp |
| Employer contribution / active EE | $488 | $1,512-67.7% | $2,540-80.8% | $2,440-80.0% |
| Participant deferral / active EE | $1,455 | $2,606-44.2% | $3,619-59.8% | $3,608-59.7% |
| Admin fee / account holder | $862 | $4,102-79.0% | $6,252-86.2% | $5,124-83.2% |