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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 | $138,613 | $62,583+121.5% | $76,767+80.6% | $64,173+116.0% |
| Participation rate | 68.0% | 72.8%-4.8pp | 77.0%-9.0pp | 69.6%-1.6pp |
| Annual return | 13.12% | -1.95%+15.1pp | 2.43%+10.7pp | 7.63%+5.5pp |
| Employer contribution / active EE | $992 | $1,832-45.8% | $2,485-60.1% | $2,381-58.3% |
| Participant deferral / active EE | $3,202 | $3,145+1.8% | $3,852-16.9% | $3,470-7.7% |
| Admin fee / account holder | $31,810 | $4,667+581.6% | $6,675+376.5% | $4,887+550.8% |