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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 | $105,877 | $86,919+21.8% | $102,457+3.3% | $80,911+30.9% |
| Participation rate | 37.5% | 72.4%-34.9pp | 76.5%-39.0pp | 67.6%-30.1pp |
| Annual return | 13.32% | 18.90%-5.6pp | 29.41%-16.1pp | 35.63%-22.3pp |
| Employer contribution / active EE | $796 | $2,368-66.4% | $3,022-73.7% | $2,756-71.1% |
| Participant deferral / active EE | $5,119 | $4,119+24.3% | $5,054+1.3% | $4,297+19.1% |
| Admin fee / account holder | $12,923 | $8,049+60.6% | $9,451+36.7% | $6,935+86.4% |