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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 | $125,564 | $67,602+85.7% | $82,312+52.5% | $70,126+79.1% |
| Participation rate | 61.8% | 72.8%-11.0pp | 76.9%-15.1pp | 69.5%-7.8pp |
| Annual return | 15.18% | 21.57%-6.4pp | 25.88%-10.7pp | 73.15%-58.0pp |
| Employer contribution / active EE | $571 | $1,755-67.5% | $2,428-76.5% | $2,343-75.6% |
| Participant deferral / active EE | $3,650 | $2,987+22.2% | $3,706-1.5% | $3,332+9.6% |
| Admin fee / account holder | $1,950 | $4,512-56.8% | $5,608-65.2% | $4,645-58.0% |