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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 | $117,755 | $60,442+94.8% | $96,754+21.7% | $87,485+34.6% |
| Participation rate | 41.2% | 58.7%-17.5pp | 70.3%-29.1pp | 68.9%-27.8pp |
| Annual return | 20.53% | 21.97%-1.4pp | 82.04%-61.5pp | 26.06%-5.5pp |
| Employer contribution / active EE | $1,052 | $1,691-37.8% | $2,679-60.7% | $2,596-59.5% |
| Participant deferral / active EE | $2,890 | $3,280-11.9% | $4,758-39.3% | $4,274-32.4% |
| Admin fee / account holder | $2,222 | $5,069-56.2% | $8,905-75.0% | $7,775-71.4% |