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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 | $143,850 | $47,848+200.6% | $81,473+76.6% | $70,126+105.1% |
| Participation rate | 60.0% | 58.3%+1.7pp | 68.0%-8.0pp | 69.5%-9.5pp |
| Annual return | 17.78% | 27.25%-9.5pp | 38.78%-21.0pp | 73.15%-55.4pp |
| Employer contribution / active EE | $984 | $1,527-35.5% | $2,568-61.7% | $2,343-58.0% |
| Participant deferral / active EE | $4,958 | $2,453+102.1% | $3,537+40.2% | $3,332+48.8% |
| Admin fee / account holder | $2,744 | $3,145-12.7% | $4,561-39.8% | $4,645-40.9% |