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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 | $97,550+54.6% | $120,344+25.3% | $87,485+72.4% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.7%-14.2pp | 68.9%-6.4pp |
| Annual return | 12.73% | 18.41%-5.7pp | 20.30%-7.6pp | 26.06%-13.3pp |
| Employer contribution / active EE | $917 | $2,291-60.0% | $3,020-69.6% | $2,596-64.7% |
| Participant deferral / active EE | $2,799 | $4,230-33.8% | $5,135-45.5% | $4,274-34.5% |
| Admin fee / account holder | $14,488 | $9,543+51.8% | $12,742+13.7% | $7,775+86.3% |