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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 | $108,778 | $71,197+52.8% | $93,669+16.1% | $80,925+34.4% |
| Participation rate | 52.0% | 60.4%-8.4pp | 68.7%-16.7pp | 67.7%-15.7pp |
| Annual return | 12.79% | 11.27%+1.5pp | 133.59%-120.8pp | 35.65%-22.9pp |
| Employer contribution / active EE | $514 | $1,565-67.1% | $2,424-78.8% | $2,756-81.3% |
| Participant deferral / active EE | $4,462 | $4,036+10.6% | $4,416+1.1% | $4,299+3.8% |
| Admin fee / account holder | $17,366 | $6,959+149.6% | $8,291+109.5% | $6,940+150.2% |