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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 | $118,152 | $78,682+50.2% | $109,188+8.2% | $85,851+37.6% |
| Participation rate | 64.1% | 68.3%-4.2pp | 75.9%-11.8pp | 69.3%-5.2pp |
| Annual return | 12.74% | 25.09%-12.4pp | 25.76%-13.0pp | 318.63%-305.9pp |
| Employer contribution / active EE | $938 | $2,734-65.7% | $3,723-74.8% | $2,565-63.4% |
| Participant deferral / active EE | $4,783 | $3,468+37.9% | $4,654+2.8% | $3,952+21.0% |
| Admin fee / account holder | $4,864 | $5,470-11.1% | $6,755-28.0% | $6,261-22.3% |