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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 | $126,413 | $70,435+79.5% | $96,575+30.9% | $85,856+47.2% |
| Participation rate | 65.2% | 61.8%+3.4pp | 69.8%-4.6pp | 69.3%-4.1pp |
| Annual return | 12.10% | 18.59%-6.5pp | 37.79%-25.7pp | 318.58%-306.5pp |
| Employer contribution / active EE | $454 | $1,413-67.9% | $2,357-80.7% | $2,565-82.3% |
| Participant deferral / active EE | $3,617 | $2,894+25.0% | $3,849-6.0% | $3,952-8.5% |
| Admin fee / account holder | $7,866 | $4,997+57.4% | $6,182+27.2% | $6,261+25.6% |