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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 | $103,403 | $73,787+40.1% | $98,716+4.7% | $82,448+25.4% |
| Participation rate | 56.3% | 61.4%-5.2pp | 69.3%-13.0pp | 68.1%-11.8pp |
| Annual return | 16.96% | 18.57%-1.6pp | 31.81%-14.8pp | 41.64%-24.7pp |
| Employer contribution / active EE | $591 | $1,511-60.9% | $2,279-74.1% | $2,551-76.8% |
| Participant deferral / active EE | $4,747 | $3,081+54.0% | $4,048+17.3% | $4,139+14.7% |
| Admin fee / account holder | $21,373 | $6,500+228.8% | $8,703+145.6% | $7,234+195.4% |