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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 | $134,326 | $65,246+105.9% | $98,716+36.1% | $67,986+97.6% |
| Participation rate | 62.2% | 51.4%+10.8pp | 69.3%-7.1pp | 57.2%+5.0pp |
| Annual return | 16.26% | 20.58%-4.3pp | 31.81%-15.5pp | 31.67%-15.4pp |
| Employer contribution / active EE | $393 | $1,042-62.3% | $2,279-82.8% | $2,019-80.5% |
| Participant deferral / active EE | $3,822 | $2,594+47.3% | $4,048-5.6% | $3,358+13.8% |
| Admin fee / account holder | $7,346 | $4,561+61.1% | $8,703-15.6% | $3,203+129.3% |