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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 | $136,569 | $77,962+75.2% | $178,540-23.5% | $80,935+68.7% |
| Participation rate | 60.8% | 65.7%-4.9pp | 77.1%-16.3pp | 67.7%-6.9pp |
| Annual return | 14.83% | 18.10%-3.3pp | 27.15%-12.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $1,413 | $2,280-38.0% | $3,953-64.2% | $2,757-48.7% |
| Participant deferral / active EE | $5,762 | $4,404+30.8% | $6,281-8.3% | $4,299+34.0% |
| Admin fee / account holder | $2,294 | $7,156-67.9% | $10,424-78.0% | $6,924-66.9% |