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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 | $172,883 | $60,349+186.5% | $74,184+133.0% | $62,881+174.9% |
| Participation rate | 65.5% | 72.7%-7.2pp | 76.6%-11.1pp | 69.3%-3.8pp |
| Annual return | 8.92% | 21.38%-12.5pp | 17.74%-8.8pp | 20.14%-11.2pp |
| Employer contribution / active EE | $480 | $1,680-71.5% | $2,370-79.8% | $2,281-79.0% |
| Participant deferral / active EE | $2,209 | $2,856-22.7% | $3,550-37.8% | $3,203-31.0% |
| Admin fee / account holder | $3,727 | $4,261-12.5% | $5,586-33.3% | $4,296-13.2% |