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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 | $135,799 | $78,423+73.2% | $95,964+41.5% | $79,856+70.1% |
| Participation rate | 68.2% | 73.5%-5.3pp | 77.1%-8.9pp | 69.6%-1.5pp |
| Annual return | 13.90% | 19.37%-5.5pp | 91.64%-77.7pp | 31.71%-17.8pp |
| Employer contribution / active EE | $909 | $1,945-53.3% | $2,541-64.2% | $2,471-63.2% |
| Participant deferral / active EE | $3,070 | $3,440-10.8% | $4,167-26.3% | $3,741-17.9% |
| Admin fee / account holder | $1,282 | $5,622-77.2% | $6,797-81.1% | $5,306-75.8% |