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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 | $95,614 | $60,349+58.4% | $74,184+28.9% | $62,881+52.1% |
| Participation rate | 62.1% | 72.7%-10.7pp | 76.6%-14.5pp | 69.3%-7.2pp |
| Annual return | 7.04% | 21.38%-14.3pp | 17.74%-10.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $412 | $1,680-75.5% | $2,370-82.6% | $2,281-82.0% |
| Participant deferral / active EE | $4,706 | $2,856+64.8% | $3,550+32.6% | $3,203+46.9% |
| Admin fee / account holder | $420 | $4,261-90.1% | $5,586-92.5% | $4,296-90.2% |