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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 | $131,417 | $78,027+68.4% | $178,528-26.4% | $80,925+62.4% |
| Participation rate | 68.2% | 65.7%+2.5pp | 77.1%-8.9pp | 67.7%+0.5pp |
| Annual return | 13.62% | 18.09%-4.5pp | 27.11%-13.5pp | 35.65%-22.0pp |
| Employer contribution / active EE | $821 | $2,281-64.0% | $3,950-79.2% | $2,756-70.2% |
| Participant deferral / active EE | $8,213 | $4,408+86.3% | $6,278+30.8% | $4,299+91.1% |
| Admin fee / account holder | $3,866 | $7,168-46.1% | $10,419-62.9% | $6,940-44.3% |