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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 | $135,128 | $81,446+65.9% | $103,374+30.7% | $80,874+67.1% |
| Participation rate | 44.4% | 66.9%-22.4pp | 74.5%-30.1pp | 67.6%-23.2pp |
| Annual return | 14.94% | 25.57%-10.6pp | 24.89%-9.9pp | 35.62%-20.7pp |
| Employer contribution / active EE | $928 | $3,107-70.1% | $3,869-76.0% | $2,756-66.3% |
| Participant deferral / active EE | $2,345 | $3,870-39.4% | $5,058-53.6% | $4,297-45.4% |
| Admin fee / account holder | $6,576 | $6,715-2.1% | $8,394-21.7% | $6,935-5.2% |