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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 | $130,366 | $95,904+35.9% | $173,730-25.0% | $64,340+102.6% |
| Participation rate | 60.2% | 60.6%-0.4pp | 79.6%-19.4pp | 55.2%+4.9pp |
| Annual return | 13.29% | 17.47%-4.2pp | 19.96%-6.7pp | 24.14%-10.9pp |
| Employer contribution / active EE | $961 | $2,323-58.6% | $4,577-79.0% | $1,862-48.4% |
| Participant deferral / active EE | $3,611 | $3,488+3.5% | $6,326-42.9% | $2,980+21.2% |
| Admin fee / account holder | $2,767 | $5,089-45.6% | $17,523-84.2% | $3,703-25.3% |