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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 | $114,230 | $74,535+53.3% | $100,712+13.4% | $82,637+38.2% |
| Participation rate | 61.9% | 61.2%+0.7pp | 69.3%-7.4pp | 68.1%-6.1pp |
| Annual return | 15.26% | 18.92%-3.7pp | 33.27%-18.0pp | 53.51%-38.2pp |
| Employer contribution / active EE | $794 | $1,503-47.1% | $2,313-65.7% | $2,552-68.9% |
| Participant deferral / active EE | $3,364 | $3,074+9.4% | $4,085-17.7% | $4,126-18.5% |
| Admin fee / account holder | $15,017 | $6,576+128.4% | $9,256+62.2% | $7,339+104.6% |