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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 | $100,259 | $73,787+35.9% | $98,716+1.6% | $82,448+21.6% |
| Participation rate | 40.5% | 61.4%-20.9pp | 69.3%-28.8pp | 68.1%-27.5pp |
| Annual return | 17.50% | 18.57%-1.1pp | 31.81%-14.3pp | 41.64%-24.1pp |
| Employer contribution / active EE | $585 | $1,511-61.3% | $2,279-74.3% | $2,551-77.1% |
| Participant deferral / active EE | $3,488 | $3,081+13.2% | $4,048-13.8% | $4,139-15.7% |
| Admin fee / account holder | $8,219 | $6,500+26.4% | $8,703-5.6% | $7,234+13.6% |