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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 | $142,826 | $87,059+64.1% | $105,608+35.2% | $80,925+76.5% |
| Participation rate | 60.8% | 70.4%-9.7pp | 75.3%-14.5pp | 67.7%-6.9pp |
| Annual return | 17.65% | 17.05%+0.6pp | 116.50%-98.9pp | 35.65%-18.0pp |
| Employer contribution / active EE | $910 | $2,396-62.0% | $3,167-71.3% | $2,756-67.0% |
| Participant deferral / active EE | $2,327 | $3,986-41.6% | $5,010-53.6% | $4,299-45.9% |
| Admin fee / account holder | $15,099 | $8,443+78.8% | $11,028+36.9% | $6,940+117.6% |