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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 | $144,580 | $99,380+45.5% | $90,312+60.1% | $155,188-6.8% |
| Participation rate | 62.5% | 77.3%-14.8pp | 72.9%-10.4pp | 80.8%-18.3pp |
| Annual return | 15.04% | 19.35%-4.3pp | 18.90%-3.9pp | 148.84%-133.8pp |
| Employer contribution / active EE | $1,720 | $2,390-28.0% | $2,243-23.3% | $4,248-59.5% |
| Participant deferral / active EE | $3,735 | $4,212-11.3% | $3,749-0.4% | $6,531-42.8% |
| Admin fee / account holder | $5,330 | $9,766-45.4% | $8,248-35.4% | $14,480-63.2% |