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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 | $138,126 | $56,894+142.8% | $84,753+63.0% | $62,881+119.7% |
| Participation rate | 26.9% | 68.5%-41.6pp | 76.6%-49.7pp | 69.3%-42.4pp |
| Annual return | 10.34% | 6.30%+4.0pp | 22.78%-12.4pp | 20.14%-9.8pp |
| Employer contribution / active EE | $715 | $2,400-70.2% | $3,574-80.0% | $2,281-68.7% |
| Participant deferral / active EE | $2,457 | $2,709-9.3% | $3,712-33.8% | $3,203-23.3% |
| Admin fee / account holder | $886 | $3,581-75.3% | $5,333-83.4% | $4,296-79.4% |