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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 | $109,183 | $76,834+42.1% | $108,359+0.8% | $87,485+24.8% |
| Participation rate | 57.8% | 61.7%-4.0pp | 70.1%-12.3pp | 68.9%-11.2pp |
| Annual return | 13.97% | 19.09%-5.1pp | 36.89%-22.9pp | 26.06%-12.1pp |
| Employer contribution / active EE | $709 | $1,556-54.4% | $2,399-70.4% | $2,596-72.7% |
| Participant deferral / active EE | $3,967 | $3,100+28.0% | $4,137-4.1% | $4,274-7.2% |
| Admin fee / account holder | $5,410 | $6,537-17.2% | $9,741-44.5% | $7,775-30.4% |