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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 | $98,903 | $71,215+38.9% | $93,696+5.6% | $80,935+22.2% |
| Participation rate | 39.4% | 60.4%-21.0pp | 68.7%-29.3pp | 67.7%-28.3pp |
| Annual return | 10.10% | 11.27%-1.2pp | 133.74%-123.6pp | 35.66%-25.6pp |
| Employer contribution / active EE | $630 | $1,565-59.7% | $2,422-74.0% | $2,757-77.1% |
| Participant deferral / active EE | $3,937 | $4,037-2.5% | $4,417-10.9% | $4,299-8.4% |
| Admin fee / account holder | $3,588 | $6,958-48.4% | $8,287-56.7% | $6,924-48.2% |