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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 | $142,989 | $54,763+161.1% | $90,324+58.3% | $72,976+95.9% |
| Participation rate | 28.2% | 65.2%-36.9pp | 73.3%-45.1pp | 69.5%-41.3pp |
| Annual return | 26.71% | 30.63%-3.9pp | 78.15%-51.4pp | 81.02%-54.3pp |
| Employer contribution / active EE | $249 | $2,093-88.1% | $2,856-91.3% | $2,440-89.8% |
| Participant deferral / active EE | $4,212 | $2,887+45.9% | $3,885+8.4% | $3,608+16.7% |
| Admin fee / account holder | $10,429 | $3,973+162.5% | $5,356+94.7% | $5,124+103.5% |