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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 | $106,281 | $58,848+80.6% | $88,179+20.5% | $82,637+28.6% |
| Participation rate | 48.3% | 57.9%-9.6pp | 69.1%-20.9pp | 68.1%-19.8pp |
| Annual return | 18.38% | 22.76%-4.4pp | 64.97%-46.6pp | 53.51%-35.1pp |
| Employer contribution / active EE | $768 | $1,678-54.2% | $2,549-69.9% | $2,552-69.9% |
| Participant deferral / active EE | $3,051 | $3,124-2.3% | $4,614-33.9% | $4,126-26.0% |
| Admin fee / account holder | $1,097 | $4,795-77.1% | $7,673-85.7% | $7,339-85.1% |