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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 | $103,735 | $78,015+33.0% | $178,505-41.9% | $80,959+28.1% |
| Participation rate | 42.2% | 65.7%-23.4pp | 77.1%-34.9pp | 67.7%-25.4pp |
| Annual return | 15.00% | 18.10%-3.1pp | 27.16%-12.2pp | 35.67%-20.7pp |
| Employer contribution / active EE | $811 | $2,281-64.4% | $3,955-79.5% | $2,757-70.6% |
| Participant deferral / active EE | $1,511 | $4,406-65.7% | $6,280-75.9% | $4,300-64.9% |
| Admin fee / account holder | $11,506 | $7,160+60.7% | $10,428+10.3% | $6,925+66.1% |