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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 | $179,288 | $95,453+87.8% | $112,040+60.0% | $82,448+117.5% |
| Participation rate | 58.8% | 72.8%-13.9pp | 76.5%-17.7pp | 68.1%-9.2pp |
| Annual return | 13.66% | 23.92%-10.3pp | 24.52%-10.9pp | 41.64%-28.0pp |
| Employer contribution / active EE | $769 | $2,318-66.8% | $2,954-74.0% | $2,551-69.8% |
| Participant deferral / active EE | $3,684 | $4,224-12.8% | $5,098-27.7% | $4,139-11.0% |
| Admin fee / account holder | $14,859 | $9,013+64.9% | $12,098+22.8% | $7,234+105.4% |