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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 | $113,345 | $54,541+107.8% | $78,778+43.9% | $70,126+61.6% |
| Participation rate | 46.2% | 60.8%-14.6pp | 69.2%-23.0pp | 69.5%-23.4pp |
| Annual return | 17.24% | 21.07%-3.8pp | 35.62%-18.4pp | 73.15%-55.9pp |
| Employer contribution / active EE | $854 | $1,089-21.6% | $1,986-57.0% | $2,343-63.5% |
| Participant deferral / active EE | $3,139 | $2,210+42.0% | $2,958+6.1% | $3,332-5.8% |
| Admin fee / account holder | $721 | $3,709-80.5% | $5,134-85.9% | $4,645-84.5% |