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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 | $136,915 | $60,349+126.9% | $74,184+84.6% | $62,881+117.7% |
| Participation rate | 69.2% | 72.7%-3.5pp | 76.6%-7.4pp | 69.3%-0.1pp |
| Annual return | 4.96% | 21.38%-16.4pp | 17.74%-12.8pp | 20.14%-15.2pp |
| Employer contribution / active EE | $991 | $1,680-41.0% | $2,370-58.2% | $2,281-56.6% |
| Participant deferral / active EE | $3,154 | $2,856+10.4% | $3,550-11.1% | $3,203-1.5% |
| Admin fee / account holder | $7,469 | $4,261+75.3% | $5,586+33.7% | $4,296+73.9% |