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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 | $131,199 | $57,140+129.6% | $85,240+53.9% | $80,959+62.1% |
| Participation rate | 25.5% | 56.4%-30.9pp | 67.5%-42.0pp | 67.7%-42.2pp |
| Annual return | 13.34% | 21.71%-8.4pp | 66.75%-53.4pp | 35.67%-22.3pp |
| Employer contribution / active EE | $835 | $1,802-53.7% | $2,735-69.5% | $2,757-69.7% |
| Participant deferral / active EE | $1,657 | $3,115-46.8% | $4,527-63.4% | $4,300-61.5% |
| Admin fee / account holder | $5,387 | $4,992+7.9% | $6,165-12.6% | $6,925-22.2% |