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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 | $96,474 | $65,367+47.6% | $92,915+3.8% | $72,976+32.2% |
| Participation rate | 20.0% | 68.3%-48.3pp | 76.0%-56.0pp | 69.5%-49.5pp |
| Annual return | 21.17% | 42.11%-20.9pp | 109.45%-88.3pp | 81.02%-59.8pp |
| Employer contribution / active EE | $809 | $2,594-68.8% | $3,653-77.9% | $2,440-66.9% |
| Participant deferral / active EE | $1,626 | $3,128-48.0% | $4,238-61.6% | $3,608-54.9% |
| Admin fee / account holder | $771 | $4,251-81.9% | $5,796-86.7% | $5,124-85.0% |