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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 | $180,537 | $77,472+133.0% | $100,415+79.8% | $80,959+123.0% |
| Participation rate | 69.7% | 76.9%-7.3pp | 81.5%-11.8pp | 67.7%+2.0pp |
| Annual return | 15.31% | 37.26%-21.9pp | 49.47%-34.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $704 | $2,800-74.9% | $3,943-82.1% | $2,757-74.5% |
| Participant deferral / active EE | $5,969 | $6,818-12.4% | $8,091-26.2% | $4,300+38.8% |
| Admin fee / account holder | $3,112 | $5,885-47.1% | $7,906-60.6% | $6,925-55.1% |