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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 | $95,468 | $54,541+75.0% | $78,778+21.2% | $70,126+36.1% |
| Participation rate | 36.6% | 60.8%-24.2pp | 69.2%-32.6pp | 69.5%-33.0pp |
| Annual return | 17.71% | 21.07%-3.4pp | 35.62%-17.9pp | 73.15%-55.4pp |
| Employer contribution / active EE | $728 | $1,089-33.1% | $1,986-63.3% | $2,343-68.9% |
| Participant deferral / active EE | $2,377 | $2,210+7.5% | $2,958-19.7% | $3,332-28.7% |
| Admin fee / account holder | $1,473 | $3,709-60.3% | $5,134-71.3% | $4,645-68.3% |