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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 | $138,151 | $86,938+58.9% | $102,423+34.9% | $80,925+70.7% |
| Participation rate | 57.8% | 72.4%-14.6pp | 76.5%-18.7pp | 67.7%-9.8pp |
| Annual return | 13.78% | 18.89%-5.1pp | 29.42%-15.6pp | 35.65%-21.9pp |
| Employer contribution / active EE | $902 | $2,369-61.9% | $3,023-70.2% | $2,756-67.3% |
| Participant deferral / active EE | $3,337 | $4,120-19.0% | $5,054-34.0% | $4,299-22.4% |
| Admin fee / account holder | $2,256 | $8,053-72.0% | $9,455-76.1% | $6,940-67.5% |