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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 | $159,020 | $81,504+95.1% | $102,437+55.2% | $80,959+96.4% |
| Participation rate | 62.9% | 66.9%-4.0pp | 74.5%-11.7pp | 67.7%-4.8pp |
| Annual return | 11.33% | 25.60%-14.3pp | 24.95%-13.6pp | 35.67%-24.3pp |
| Employer contribution / active EE | $999 | $3,104-67.8% | $3,871-74.2% | $2,757-63.8% |
| Participant deferral / active EE | $2,919 | $3,871-24.6% | $5,060-42.3% | $4,300-32.1% |
| Admin fee / account holder | $59,745 | $6,719+789.1% | $8,388+612.3% | $6,925+762.7% |