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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 | $98,619 | $56,544+74.4% | $75,501+30.6% | $70,126+40.6% |
| Participation rate | 42.9% | 68.1%-25.3pp | 72.4%-29.5pp | 69.5%-26.7pp |
| Annual return | 14.05% | 23.59%-9.5pp | 27.35%-13.3pp | 73.15%-59.1pp |
| Employer contribution / active EE | $544 | $1,817-70.0% | $2,352-76.9% | $2,343-76.8% |
| Participant deferral / active EE | $2,973 | $2,580+15.2% | $3,142-5.4% | $3,332-10.8% |
| Admin fee / account holder | $1,233 | $3,827-67.8% | $5,801-78.7% | $4,645-73.5% |