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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 | $135,569 | $77,472+75.0% | $100,392+35.0% | $80,935+67.5% |
| Participation rate | 56.8% | 76.9%-20.1pp | 81.5%-24.7pp | 67.7%-10.8pp |
| Annual return | 15.90% | 37.26%-21.4pp | 49.45%-33.6pp | 35.66%-19.8pp |
| Employer contribution / active EE | $863 | $2,800-69.2% | $3,941-78.1% | $2,757-68.7% |
| Participant deferral / active EE | $3,803 | $6,818-44.2% | $8,090-53.0% | $4,299-11.5% |
| Admin fee / account holder | $2,536 | $5,885-56.9% | $7,904-67.9% | $6,924-63.4% |