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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 | $115,010 | $73,978+55.5% | $96,515+19.2% | $75,173+53.0% |
| Participation rate | 43.5% | 66.4%-22.9pp | 74.3%-30.8pp | 67.2%-23.7pp |
| Annual return | 17.36% | 26.72%-9.4pp | 35.73%-18.4pp | 160.72%-143.4pp |
| Employer contribution / active EE | $947 | $2,931-67.7% | $3,740-74.7% | $2,671-64.6% |
| Participant deferral / active EE | $2,622 | $3,660-28.4% | $4,880-46.3% | $4,126-36.5% |
| Admin fee / account holder | $5,214 | $5,219-0.1% | $6,735-22.6% | $5,651-7.7% |