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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 | $107,648 | $64,890+65.9% | $134,172-19.8% | $67,986+58.3% |
| Participation rate | 20.7% | 48.5%-27.9pp | 72.5%-51.8pp | 57.2%-36.6pp |
| Annual return | 17.05% | 16.12%+0.9pp | 25.30%-8.3pp | 31.67%-14.6pp |
| Employer contribution / active EE | $624 | $1,360-54.1% | $3,420-81.7% | $2,019-69.1% |
| Participant deferral / active EE | $1,411 | $2,289-38.3% | $4,690-69.9% | $3,358-58.0% |
| Admin fee / account holder | $6,910 | $3,140+120.0% | $12,016-42.5% | $3,203+115.7% |