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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 | $90,512 | $81,457+11.1% | $103,378-12.4% | $80,911+11.9% |
| Participation rate | 24.3% | 66.8%-42.5pp | 74.5%-50.2pp | 67.6%-43.3pp |
| Annual return | 10.50% | 25.58%-15.1pp | 24.91%-14.4pp | 35.63%-25.1pp |
| Employer contribution / active EE | $832 | $3,107-73.2% | $3,870-78.5% | $2,756-69.8% |
| Participant deferral / active EE | $4,038 | $3,871+4.3% | $5,058-20.2% | $4,297-6.0% |
| Admin fee / account holder | $1,010 | $6,717-85.0% | $8,401-88.0% | $6,935-85.4% |