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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 | $109,230 | $90,509+20.7% | $78,693+38.8% | $273,968-60.1% |
| Participation rate | 45.5% | 76.5%-31.1pp | 73.6%-28.1pp | 83.0%-37.6pp |
| Annual return | 6.74% | 75.61%-68.9pp | 62.18%-55.4pp | 41.45%-34.7pp |
| Employer contribution / active EE | $1,054 | $3,175-66.8% | $2,850-63.0% | $4,869-78.3% |
| Participant deferral / active EE | $1,590 | $3,901-59.3% | $3,517-54.8% | $5,287-69.9% |
| Admin fee / account holder | $4,153 | $5,264-21.1% | $4,511-7.9% | $10,132-59.0% |