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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 | $153,805 | $71,230+115.9% | $93,727+64.1% | $80,959+90.0% |
| Participation rate | 32.1% | 60.4%-28.3pp | 68.7%-36.6pp | 67.7%-35.5pp |
| Annual return | 10.55% | 11.26%-0.7pp | 133.83%-123.3pp | 35.67%-25.1pp |
| Employer contribution / active EE | $643 | $1,565-58.9% | $2,421-73.4% | $2,757-76.7% |
| Participant deferral / active EE | $3,622 | $4,037-10.3% | $4,417-18.0% | $4,300-15.8% |
| Admin fee / account holder | $9,111 | $6,961+30.9% | $8,292+9.9% | $6,925+31.6% |