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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 | $104,059 | $55,713+86.8% | $75,901+37.1% | $72,975+42.6% |
| Participation rate | 63.3% | 61.1%+2.2pp | 69.3%-5.9pp | 69.5%-6.2pp |
| Annual return | 19.11% | 27.60%-8.5pp | 30.76%-11.7pp | 81.01%-61.9pp |
| Employer contribution / active EE | $863 | $1,687-48.8% | $2,501-65.5% | $2,440-64.6% |
| Participant deferral / active EE | $2,512 | $2,634-4.6% | $3,603-30.3% | $3,608-30.4% |
| Admin fee / account holder | $3,447 | $3,980-13.4% | $5,420-36.4% | $5,124-32.7% |