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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 | $135,657 | $94,439+43.6% | $73,658+84.2% | $154,746-12.3% |
| Participation rate | 29.4% | 64.7%-35.3pp | 57.0%-27.6pp | 80.7%-51.3pp |
| Annual return | 20.28% | 28.25%-8.0pp | 29.72%-9.4pp | 172.34%-152.1pp |
| Employer contribution / active EE | $617 | $1,257-50.9% | $1,032-40.2% | $4,379-85.9% |
| Participant deferral / active EE | $3,250 | $2,527+28.6% | $2,062+57.6% | $6,730-51.7% |
| Admin fee / account holder | $2,643 | $3,843-31.2% | $3,357-21.3% | $14,365-81.6% |