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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 | $154,517 | $75,541+104.5% | $152,093+1.6% | $82,637+87.0% |
| Participation rate | 54.0% | 66.5%-12.6pp | 77.8%-23.8pp | 68.1%-14.1pp |
| Annual return | 17.24% | 32.56%-15.3pp | 66.36%-49.1pp | 53.51%-36.3pp |
| Employer contribution / active EE | $610 | $2,622-76.8% | $4,175-85.4% | $2,552-76.1% |
| Participant deferral / active EE | $3,421 | $3,206+6.7% | $5,451-37.3% | $4,126-17.1% |
| Admin fee / account holder | $3,692 | $6,405-42.4% | $14,497-74.5% | $7,339-49.7% |