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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 | $102,527 | $60,349+69.9% | $74,184+38.2% | $62,881+63.0% |
| Participation rate | 53.8% | 72.7%-18.9pp | 76.6%-22.8pp | 69.3%-15.5pp |
| Annual return | 8.26% | 21.38%-13.1pp | 17.74%-9.5pp | 20.14%-11.9pp |
| Employer contribution / active EE | $855 | $1,680-49.1% | $2,370-63.9% | $2,281-62.5% |
| Participant deferral / active EE | $1,774 | $2,856-37.9% | $3,550-50.0% | $3,203-44.6% |
| Admin fee / account holder | $8,680 | $4,261+103.7% | $5,586+55.4% | $4,296+102.1% |