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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 | $218,983 | $73,787+196.8% | $98,716+121.8% | $82,448+165.6% |
| Participation rate | 58.1% | 61.4%-3.3pp | 69.3%-11.2pp | 68.1%-10.0pp |
| Annual return | 12.97% | 18.57%-5.6pp | 31.81%-18.8pp | 41.64%-28.7pp |
| Employer contribution / active EE | $844 | $1,511-44.1% | $2,279-62.9% | $2,551-66.9% |
| Participant deferral / active EE | $3,218 | $3,081+4.4% | $4,048-20.5% | $4,139-22.3% |
| Admin fee / account holder | $1,587 | $6,500-75.6% | $8,703-81.8% | $7,234-78.1% |