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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 | $105,755 | $80,705+31.0% | $115,768-8.6% | $67,986+55.6% |
| Participation rate | 49.0% | 63.0%-13.9pp | 74.4%-25.4pp | 57.2%-8.2pp |
| Annual return | 16.77% | 18.49%-1.7pp | 100.46%-83.7pp | 31.67%-14.9pp |
| Employer contribution / active EE | $814 | $2,046-60.2% | $2,940-72.3% | $2,019-59.7% |
| Participant deferral / active EE | $3,493 | $3,559-1.9% | $4,917-29.0% | $3,358+4.0% |
| Admin fee / account holder | $8,725 | $4,135+111.0% | $12,439-29.9% | $3,203+172.4% |