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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 | $155,896 | $95,453+63.3% | $112,040+39.1% | $82,448+89.1% |
| Participation rate | 64.8% | 72.8%-7.9pp | 76.5%-11.7pp | 68.1%-3.2pp |
| Annual return | 13.62% | 23.92%-10.3pp | 24.52%-10.9pp | 41.64%-28.0pp |
| Employer contribution / active EE | $925 | $2,318-60.1% | $2,954-68.7% | $2,551-63.8% |
| Participant deferral / active EE | $3,977 | $4,224-5.8% | $5,098-22.0% | $4,139-3.9% |
| Admin fee / account holder | $30,908 | $9,013+242.9% | $12,098+155.5% | $7,234+327.2% |