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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 | $107,447 | $52,380+105.1% | $98,864+8.7% | $85,851+25.2% |
| Participation rate | 39.6% | 58.0%-18.3pp | 65.7%-26.1pp | 69.3%-29.7pp |
| Annual return | 11.48% | 25.82%-14.3pp | 50.03%-38.6pp | 318.63%-307.2pp |
| Employer contribution / active EE | $587 | $1,337-56.1% | $2,070-71.6% | $2,565-77.1% |
| Participant deferral / active EE | $1,425 | $2,101-32.2% | $3,037-53.1% | $3,952-64.0% |
| Admin fee / account holder | $3,409 | $3,865-11.8% | $4,080-16.4% | $6,261-45.6% |