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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 | $76,834+30.5% | $108,359-7.5% | $87,485+14.6% |
| Participation rate | 40.5% | 61.7%-21.2pp | 70.1%-29.6pp | 68.9%-28.4pp |
| Annual return | 17.50% | 19.09%-1.6pp | 36.89%-19.4pp | 26.06%-8.6pp |
| Employer contribution / active EE | $585 | $1,556-62.4% | $2,399-75.6% | $2,596-77.5% |
| Participant deferral / active EE | $3,488 | $3,100+12.5% | $4,137-15.7% | $4,274-18.4% |
| Admin fee / account holder | $8,219 | $6,537+25.7% | $9,741-15.6% | $7,775+5.7% |