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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 | $77,962+33.1% | $178,540-41.9% | $80,935+28.2% |
| Participation rate | 42.2% | 65.7%-23.4pp | 77.1%-34.9pp | 67.7%-25.4pp |
| Annual return | 15.00% | 18.10%-3.1pp | 27.15%-12.2pp | 35.66%-20.7pp |
| Employer contribution / active EE | $811 | $2,280-64.4% | $3,953-79.5% | $2,757-70.6% |
| Participant deferral / active EE | $1,511 | $4,404-65.7% | $6,281-75.9% | $4,299-64.9% |
| Admin fee / account holder | $11,506 | $7,156+60.8% | $10,424+10.4% | $6,924+66.2% |