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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 | $101,149 | $65,027+55.5% | $90,970+11.2% | $79,852+26.7% |
| Participation rate | 58.8% | 61.6%-2.8pp | 69.0%-10.2pp | 69.6%-10.8pp |
| Annual return | 16.97% | 30.45%-13.5pp | 134.58%-117.6pp | 31.72%-14.8pp |
| Employer contribution / active EE | $401 | $1,247-67.8% | $2,122-81.1% | $2,471-83.8% |
| Participant deferral / active EE | $3,851 | $2,512+53.3% | $3,373+14.2% | $3,740+3.0% |
| Admin fee / account holder | $7,233 | $4,535+59.5% | $5,960+21.4% | $5,306+36.3% |