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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 | $110,654 | $72,027+53.6% | $185,861-40.5% | $79,856+38.6% |
| Participation rate | 11.1% | 65.8%-54.7pp | 78.0%-66.9pp | 69.6%-58.5pp |
| Annual return | 13.06% | 23.13%-10.1pp | 35.96%-22.9pp | 31.71%-18.7pp |
| Employer contribution / active EE | $952 | $1,965-51.5% | $4,088-76.7% | $2,471-61.5% |
| Participant deferral / active EE | $1,904 | $3,780-49.6% | $5,634-66.2% | $3,741-49.1% |
| Admin fee / account holder | $10,678 | $4,513+136.6% | $9,503+12.4% | $5,306+101.2% |