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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 | $104,597 | $54,541+91.8% | $78,778+32.8% | $70,126+49.2% |
| Participation rate | 52.1% | 60.8%-8.7pp | 69.2%-17.1pp | 69.5%-17.5pp |
| Annual return | 17.76% | 21.07%-3.3pp | 35.62%-17.9pp | 73.15%-55.4pp |
| Employer contribution / active EE | $272 | $1,089-75.0% | $1,986-86.3% | $2,343-88.4% |
| Participant deferral / active EE | $3,188 | $2,210+44.3% | $2,958+7.8% | $3,332-4.3% |
| Admin fee / account holder | $1,596 | $3,709-57.0% | $5,134-68.9% | $4,645-65.7% |