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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 | $95,737 | $71,197+34.5% | $93,669+2.2% | $80,925+18.3% |
| Participation rate | 46.2% | 60.4%-14.2pp | 68.7%-22.5pp | 67.7%-21.4pp |
| Annual return | 12.21% | 11.27%+0.9pp | 133.59%-121.4pp | 35.65%-23.4pp |
| Employer contribution / active EE | $767 | $1,565-51.0% | $2,424-68.3% | $2,756-72.2% |
| Participant deferral / active EE | $3,070 | $4,036-23.9% | $4,416-30.5% | $4,299-28.6% |
| Admin fee / account holder | $3,670 | $6,959-47.3% | $8,291-55.7% | $6,940-47.1% |