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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 | $218,108 | $87,059+150.5% | $105,608+106.5% | $80,925+169.5% |
| Participation rate | 60.7% | 70.4%-9.8pp | 75.3%-14.6pp | 67.7%-7.0pp |
| Annual return | 13.79% | 17.05%-3.3pp | 116.50%-102.7pp | 35.65%-21.9pp |
| Employer contribution / active EE | $749 | $2,396-68.8% | $3,167-76.4% | $2,756-72.8% |
| Participant deferral / active EE | $4,866 | $3,986+22.1% | $5,010-2.9% | $4,299+13.2% |
| Admin fee / account holder | $9,428 | $8,443+11.7% | $11,028-14.5% | $6,940+35.8% |