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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 | $106,777 | $57,119+86.9% | $85,187+25.3% | $80,935+31.9% |
| Participation rate | 38.8% | 56.4%-17.6pp | 67.5%-28.7pp | 67.7%-28.9pp |
| Annual return | 15.04% | 21.70%-6.7pp | 66.67%-51.6pp | 35.66%-20.6pp |
| Employer contribution / active EE | $448 | $1,802-75.2% | $2,732-83.6% | $2,757-83.8% |
| Participant deferral / active EE | $2,080 | $3,115-33.2% | $4,525-54.0% | $4,299-51.6% |
| Admin fee / account holder | $989 | $4,990-80.2% | $6,162-84.0% | $6,924-85.7% |