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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 | $100,831 | $47,848+110.7% | $81,473+23.8% | $70,126+43.8% |
| Participation rate | 22.2% | 58.3%-36.1pp | 68.0%-45.7pp | 69.5%-47.3pp |
| Annual return | 23.26% | 27.25%-4.0pp | 38.78%-15.5pp | 73.15%-49.9pp |
| Employer contribution / active EE | $577 | $1,527-62.2% | $2,568-77.5% | $2,343-75.4% |
| Participant deferral / active EE | $1,217 | $2,453-50.4% | $3,537-65.6% | $3,332-63.5% |
| Admin fee / account holder | $1,169 | $3,145-62.8% | $4,561-74.4% | $4,645-74.8% |