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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 | $76,383+38.5% | $121,663-13.1% | $64,340+64.4% |
| Participation rate | 49.0% | 60.4%-11.4pp | 74.5%-25.5pp | 55.2%-6.2pp |
| Annual return | 16.77% | 16.98%-0.2pp | 147.54%-130.8pp | 24.14%-7.4pp |
| Employer contribution / active EE | $814 | $1,943-58.1% | $3,020-73.0% | $1,862-56.3% |
| Participant deferral / active EE | $3,493 | $3,149+10.9% | $4,887-28.5% | $2,980+17.2% |
| Admin fee / account holder | $8,725 | $4,142+110.7% | $14,289-38.9% | $3,703+135.7% |