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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 | $77,569+36.3% | $115,599-8.5% | $64,097+65.0% |
| Participation rate | 49.0% | 60.7%-11.6pp | 74.3%-25.2pp | 55.2%-6.2pp |
| Annual return | 16.77% | 18.52%-1.7pp | 111.10%-94.3pp | 34.64%-17.9pp |
| Employer contribution / active EE | $814 | $1,915-57.5% | $2,955-72.5% | $1,891-57.0% |
| Participant deferral / active EE | $3,493 | $3,327+5.0% | $4,889-28.6% | $3,080+13.4% |
| Admin fee / account holder | $8,725 | $4,470+95.2% | $12,841-32.0% | $3,454+152.6% |