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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 | $157,778 | $77,460+103.7% | $100,378+57.2% | $80,925+95.0% |
| Participation rate | 62.3% | 76.9%-14.7pp | 81.5%-19.2pp | 67.7%-5.4pp |
| Annual return | 18.38% | 37.24%-18.9pp | 49.41%-31.0pp | 35.65%-17.3pp |
| Employer contribution / active EE | $705 | $2,801-74.8% | $3,942-82.1% | $2,756-74.4% |
| Participant deferral / active EE | $7,463 | $6,818+9.5% | $8,087-7.7% | $4,299+73.6% |
| Admin fee / account holder | $16,053 | $5,887+172.7% | $7,899+103.2% | $6,940+131.3% |