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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 | $146,182 | $56,110+160.5% | $94,993+53.9% | $70,124+108.5% |
| Participation rate | 67.6% | 65.0%+2.6pp | 73.9%-6.3pp | 69.5%-1.9pp |
| Annual return | 23.12% | 51.02%-27.9pp | 27.14%-4.0pp | 73.14%-50.0pp |
| Employer contribution / active EE | $852 | $1,442-40.9% | $2,603-67.3% | $2,342-63.6% |
| Participant deferral / active EE | $2,635 | $2,391+10.2% | $3,317-20.6% | $3,332-20.9% |
| Admin fee / account holder | $1,655 | $3,456-52.1% | $4,960-66.6% | $4,645-64.4% |