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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 | $172,150 | $81,504+111.2% | $102,437+68.1% | $80,959+112.6% |
| Participation rate | 35.3% | 66.9%-31.6pp | 74.5%-39.2pp | 67.7%-32.4pp |
| Annual return | 13.19% | 25.60%-12.4pp | 24.95%-11.8pp | 35.67%-22.5pp |
| Employer contribution / active EE | $964 | $3,104-69.0% | $3,871-75.1% | $2,757-65.1% |
| Participant deferral / active EE | $3,612 | $3,871-6.7% | $5,060-28.6% | $4,300-16.0% |
| Admin fee / account holder | $1,348 | $6,719-79.9% | $8,388-83.9% | $6,925-80.5% |