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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 | $101,545 | $71,197+42.6% | $93,669+8.4% | $80,925+25.5% |
| Participation rate | 27.4% | 60.4%-33.0pp | 68.7%-41.3pp | 67.7%-40.3pp |
| Annual return | 13.72% | 11.27%+2.4pp | 133.59%-119.9pp | 35.65%-21.9pp |
| Employer contribution / active EE | $753 | $1,565-51.9% | $2,424-68.9% | $2,756-72.7% |
| Participant deferral / active EE | $1,588 | $4,036-60.6% | $4,416-64.0% | $4,299-63.0% |
| Admin fee / account holder | $8,894 | $6,959+27.8% | $8,291+7.3% | $6,940+28.1% |