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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 | $94,321 | $65,027+45.0% | $90,970+3.7% | $79,852+18.1% |
| Participation rate | 53.8% | 61.6%-7.8pp | 69.0%-15.2pp | 69.6%-15.8pp |
| Annual return | 18.97% | 30.45%-11.5pp | 134.58%-115.6pp | 31.72%-12.7pp |
| Employer contribution / active EE | $276 | $1,247-77.9% | $2,122-87.0% | $2,471-88.8% |
| Participant deferral / active EE | $2,016 | $2,512-19.8% | $3,373-40.2% | $3,740-46.1% |
| Admin fee / account holder | $2,873 | $4,535-36.7% | $5,960-51.8% | $5,306-45.9% |