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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 | $149,448 | $95,404+56.6% | $113,397+31.8% | $82,637+80.8% |
| Participation rate | 66.0% | 72.8%-6.9pp | 76.5%-10.5pp | 68.1%-2.1pp |
| Annual return | 15.55% | 19.08%-3.5pp | 23.20%-7.6pp | 53.51%-38.0pp |
| Employer contribution / active EE | $812 | $2,307-64.8% | $2,977-72.7% | $2,552-68.2% |
| Participant deferral / active EE | $2,863 | $4,220-32.1% | $5,076-43.6% | $4,126-30.6% |
| Admin fee / account holder | $4,631 | $9,168-49.5% | $11,957-61.3% | $7,339-36.9% |