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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 | $103,231 | $58,851+75.4% | $115,170-10.4% | $72,983+41.4% |
| Participation rate | 59.1% | 65.5%-6.5pp | 75.9%-16.8pp | 69.5%-10.4pp |
| Annual return | 21.64% | 23.16%-1.5pp | 35.60%-14.0pp | 81.01%-59.4pp |
| Employer contribution / active EE | $932 | $1,798-48.2% | $3,179-70.7% | $2,440-61.8% |
| Participant deferral / active EE | $2,489 | $2,643-5.8% | $4,169-40.3% | $3,608-31.0% |
| Admin fee / account holder | $530 | $6,370-91.7% | $7,089-92.5% | $5,124-89.7% |