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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 | $122,812 | $63,082+94.7% | $81,716+50.3% | $79,852+53.8% |
| Participation rate | 33.8% | 67.5%-33.7pp | 72.0%-38.2pp | 69.6%-35.9pp |
| Annual return | 11.08% | 22.66%-11.6pp | 29.49%-18.4pp | 31.72%-20.6pp |
| Employer contribution / active EE | $555 | $1,795-69.1% | $4,310-87.1% | $2,471-77.5% |
| Participant deferral / active EE | $3,192 | $2,780+14.8% | $7,108-55.1% | $3,740-14.7% |
| Admin fee / account holder | $8,269 | $4,428+86.7% | $5,159+60.3% | $5,306+55.8% |