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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 | $110,615 | $78,428+41.0% | $95,960+15.3% | $79,852+38.5% |
| Participation rate | 42.1% | 73.5%-31.4pp | 77.1%-35.0pp | 69.6%-27.5pp |
| Annual return | 17.77% | 19.37%-1.6pp | 91.63%-73.9pp | 31.72%-14.0pp |
| Employer contribution / active EE | $761 | $1,945-60.9% | $2,541-70.1% | $2,471-69.2% |
| Participant deferral / active EE | $2,217 | $3,440-35.5% | $4,167-46.8% | $3,740-40.7% |
| Admin fee / account holder | $7,873 | $5,622+40.0% | $6,797+15.8% | $5,306+48.4% |