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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 | $114,054 | $68,880+65.6% | $120,580-5.4% | $80,959+40.9% |
| Participation rate | 52.4% | 61.7%-9.3pp | 72.0%-19.6pp | 67.7%-15.3pp |
| Annual return | 10.82% | 23.68%-12.9pp | 107.48%-96.7pp | 35.67%-24.9pp |
| Employer contribution / active EE | $749 | $2,066-63.7% | $3,469-78.4% | $2,757-72.8% |
| Participant deferral / active EE | $2,335 | $3,191-26.8% | $4,995-53.3% | $4,300-45.7% |
| Admin fee / account holder | $17,511 | $5,785+202.7% | $9,418+85.9% | $6,925+152.9% |