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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 | $102,491 | $49,791+105.8% | $78,210+31.0% | $70,124+46.2% |
| Participation rate | 55.0% | 62.3%-7.3pp | 68.7%-13.7pp | 69.5%-14.5pp |
| Annual return | 13.19% | 20.75%-7.6pp | 40.90%-27.7pp | 73.14%-60.0pp |
| Employer contribution / active EE | $298 | $1,430-79.1% | $2,034-85.3% | $2,342-87.3% |
| Participant deferral / active EE | $2,617 | $2,150+21.7% | $2,823-7.3% | $3,332-21.5% |
| Admin fee / account holder | $397 | $3,181-87.5% | $3,758-89.4% | $4,645-91.5% |