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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 | $186,144 | $78,013+138.6% | $178,449+4.3% | $80,911+130.1% |
| Participation rate | 62.3% | 65.7%-3.3pp | 77.1%-14.8pp | 67.6%-5.3pp |
| Annual return | 15.64% | 18.07%-2.4pp | 27.09%-11.4pp | 35.63%-20.0pp |
| Employer contribution / active EE | $583 | $2,287-74.5% | $3,951-85.2% | $2,756-78.8% |
| Participant deferral / active EE | $5,399 | $4,408+22.5% | $6,277-14.0% | $4,297+25.7% |
| Admin fee / account holder | $26,300 | $7,166+267.0% | $10,362+153.8% | $6,935+279.2% |