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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 | $181,798 | $95,453+90.5% | $112,040+62.3% | $82,448+120.5% |
| Participation rate | 63.4% | 72.8%-9.3pp | 76.5%-13.1pp | 68.1%-4.7pp |
| Annual return | 16.55% | 23.92%-7.4pp | 24.52%-8.0pp | 41.64%-25.1pp |
| Employer contribution / active EE | $787 | $2,318-66.0% | $2,954-73.3% | $2,551-69.1% |
| Participant deferral / active EE | $4,031 | $4,224-4.6% | $5,098-20.9% | $4,139-2.6% |
| Admin fee / account holder | $6,011 | $9,013-33.3% | $12,098-50.3% | $7,234-16.9% |