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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 | $150,844 | $104,098+44.9% | $140,514+7.4% | $94,015+60.4% |
| Participation rate | 62.5% | 73.7%-11.2pp | 77.8%-15.3pp | 70.8%-8.3pp |
| Annual return | 12.73% | 15.14%-2.4pp | 14.36%-1.6pp | 17.84%-5.1pp |
| Employer contribution / active EE | $917 | $2,388-61.6% | $3,378-72.9% | $2,790-67.1% |
| Participant deferral / active EE | $2,799 | $4,033-30.6% | $4,919-43.1% | $4,249-34.1% |
| Admin fee / account holder | $14,488 | $10,439+38.8% | $13,697+5.8% | $8,951+61.9% |