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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 | $161,717 | $83,898+92.8% | $133,346+21.3% | $94,015+72.0% |
| Participation rate | 61.5% | 63.4%-1.8pp | 72.8%-11.3pp | 70.8%-9.3pp |
| Annual return | 15.28% | 16.00%-0.7pp | 36.85%-21.6pp | 17.84%-2.6pp |
| Employer contribution / active EE | $658 | $1,821-63.8% | $2,853-76.9% | $2,790-76.4% |
| Participant deferral / active EE | $3,884 | $3,245+19.7% | $4,332-10.3% | $4,249-8.6% |
| Admin fee / account holder | $5,610 | $7,809-28.2% | $14,264-60.7% | $8,951-37.3% |