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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 | $144,924 | $86,938+66.7% | $102,423+41.5% | $80,925+79.1% |
| Participation rate | 65.3% | 72.4%-7.1pp | 76.5%-11.2pp | 67.7%-2.4pp |
| Annual return | 13.29% | 18.89%-5.6pp | 29.42%-16.1pp | 35.65%-22.4pp |
| Employer contribution / active EE | $903 | $2,369-61.9% | $3,023-70.1% | $2,756-67.3% |
| Participant deferral / active EE | $3,612 | $4,120-12.3% | $5,054-28.5% | $4,299-16.0% |
| Admin fee / account holder | $6,122 | $8,053-24.0% | $9,455-35.2% | $6,940-11.8% |