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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 | $143,074 | $55,932+155.8% | $76,735+86.5% | $67,986+110.4% |
| Participation rate | 41.3% | 50.8%-9.5pp | 69.5%-28.2pp | 57.2%-15.9pp |
| Annual return | 16.02% | 23.10%-7.1pp | 29.77%-13.7pp | 31.67%-15.6pp |
| Employer contribution / active EE | $941 | $1,487-36.7% | $2,454-61.7% | $2,019-53.4% |
| Participant deferral / active EE | $2,580 | $2,558+0.9% | $4,088-36.9% | $3,358-23.2% |
| Admin fee / account holder | $5,430 | $4,907+10.7% | $7,189-24.5% | $3,203+69.5% |