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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 | $151,729 | $86,922+74.6% | $102,438+48.1% | $80,874+87.6% |
| Participation rate | 68.8% | 72.4%-3.6pp | 76.5%-7.7pp | 67.6%+1.1pp |
| Annual return | 13.10% | 18.90%-5.8pp | 29.37%-16.3pp | 35.62%-22.5pp |
| Employer contribution / active EE | $3,577 | $2,369+50.9% | $3,024+18.3% | $2,756+29.8% |
| Participant deferral / active EE | $9,037 | $4,119+119.4% | $5,054+78.8% | $4,297+110.3% |
| Admin fee / account holder | $4,560 | $8,050-43.3% | $9,448-51.7% | $6,935-34.2% |