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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 | $113,974 | $72,012+58.3% | $185,827-38.7% | $79,858+42.7% |
| Participation rate | 68.6% | 65.8%+2.8pp | 78.0%-9.5pp | 69.6%-1.1pp |
| Annual return | 13.85% | 23.12%-9.3pp | 35.96%-22.1pp | 31.72%-17.9pp |
| Employer contribution / active EE | $417 | $1,965-78.8% | $4,087-89.8% | $2,471-83.1% |
| Participant deferral / active EE | $2,682 | $3,779-29.0% | $5,633-52.4% | $3,740-28.3% |
| Admin fee / account holder | $1,765 | $4,513-60.9% | $9,502-81.4% | $5,306-66.7% |