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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 | $144,117 | $67,602+113.2% | $82,312+75.1% | $70,126+105.5% |
| Participation rate | 65.9% | 72.8%-6.9pp | 76.9%-11.0pp | 69.5%-3.7pp |
| Annual return | 13.35% | 21.57%-8.2pp | 25.88%-12.5pp | 73.15%-59.8pp |
| Employer contribution / active EE | $1,022 | $1,755-41.7% | $2,428-57.9% | $2,343-56.4% |
| Participant deferral / active EE | $3,292 | $2,987+10.2% | $3,706-11.2% | $3,332-1.2% |
| Admin fee / account holder | $7,718 | $4,512+71.1% | $5,608+37.6% | $4,645+66.1% |