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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 | $102,237 | $65,361+56.4% | $92,903+10.0% | $72,983+40.1% |
| Participation rate | 46.9% | 68.3%-21.4pp | 76.0%-29.1pp | 69.5%-22.6pp |
| Annual return | 19.42% | 42.11%-22.7pp | 109.43%-90.0pp | 81.01%-61.6pp |
| Employer contribution / active EE | $997 | $2,594-61.6% | $3,653-72.7% | $2,440-59.1% |
| Participant deferral / active EE | $3,355 | $3,128+7.2% | $4,238-20.8% | $3,608-7.0% |
| Admin fee / account holder | $782 | $4,251-81.6% | $5,795-86.5% | $5,124-84.7% |