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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 | $214,161 | $115,225+85.9% | $100,712+112.6% | $138,895+54.2% |
| Participation rate | 35.7% | 74.3%-38.6pp | 69.3%-33.6pp | 79.9%-44.2pp |
| Annual return | 18.32% | 40.35%-22.0pp | 33.27%-15.0pp | 145.39%-127.1pp |
| Employer contribution / active EE | $821 | $2,771-70.4% | $2,313-64.5% | $4,194-80.4% |
| Participant deferral / active EE | $4,982 | $4,699+6.0% | $4,085+22.0% | $6,396-22.1% |
| Admin fee / account holder | $1,703 | $10,844-84.3% | $9,256-81.6% | $12,562-86.4% |