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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 | $160,609 | $81,487+97.1% | $102,412+56.8% | $80,935+98.4% |
| Participation rate | 60.6% | 66.8%-6.2pp | 74.5%-13.9pp | 67.7%-7.1pp |
| Annual return | 19.98% | 25.60%-5.6pp | 24.94%-5.0pp | 35.66%-15.7pp |
| Employer contribution / active EE | $853 | $3,103-72.5% | $3,870-78.0% | $2,757-69.1% |
| Participant deferral / active EE | $4,448 | $3,871+14.9% | $5,060-12.1% | $4,299+3.4% |
| Admin fee / account holder | $5,257 | $6,717-21.7% | $8,388-37.3% | $6,924-24.1% |