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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 | $146,963 | $76,371+92.4% | $93,621+57.0% | $72,975+101.4% |
| Participation rate | 68.3% | 71.8%-3.5pp | 75.8%-7.6pp | 69.5%-1.2pp |
| Annual return | 21.67% | 25.82%-4.1pp | 32.76%-11.1pp | 81.01%-59.3pp |
| Employer contribution / active EE | $1,113 | $2,276-51.1% | $2,719-59.1% | $2,440-54.4% |
| Participant deferral / active EE | $3,537 | $3,5380% | $4,070-13.1% | $3,608-2.0% |
| Admin fee / account holder | $6,605 | $6,839-3.4% | $7,890-16.3% | $5,124+28.9% |