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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 | $145,665 | $55,713+161.5% | $75,901+91.9% | $72,975+99.6% |
| Participation rate | 56.5% | 61.1%-4.7pp | 69.3%-12.8pp | 69.5%-13.0pp |
| Annual return | 19.02% | 27.60%-8.6pp | 30.76%-11.7pp | 81.01%-62.0pp |
| Employer contribution / active EE | $365 | $1,687-78.4% | $2,501-85.4% | $2,440-85.0% |
| Participant deferral / active EE | $3,269 | $2,634+24.1% | $3,603-9.3% | $3,608-9.4% |
| Admin fee / account holder | $7,775 | $3,980+95.3% | $5,420+43.4% | $5,124+51.7% |