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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 | $229,550 | $63,845+259.5% | $81,370+182.1% | $80,959+183.5% |
| Participation rate | 23.5% | 63.9%-40.3pp | 69.5%-46.0pp | 67.7%-44.1pp |
| Annual return | 17.04% | 16.37%+0.7pp | 24.85%-7.8pp | 35.67%-18.6pp |
| Employer contribution / active EE | $686 | $1,980-65.4% | $2,464-72.2% | $2,757-75.1% |
| Participant deferral / active EE | $3,709 | $3,093+19.9% | $3,885-4.5% | $4,300-13.8% |
| Admin fee / account holder | $4,274 | $5,688-24.9% | $5,749-25.7% | $6,925-38.3% |