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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 | $152,138 | $73,787+106.2% | $98,716+54.1% | $82,448+84.5% |
| Participation rate | 64.4% | 61.4%+3.0pp | 69.3%-4.9pp | 68.1%-3.7pp |
| Annual return | 18.14% | 18.57%-0.4pp | 31.81%-13.7pp | 41.64%-23.5pp |
| Employer contribution / active EE | $930 | $1,511-38.5% | $2,279-59.2% | $2,551-63.5% |
| Participant deferral / active EE | $2,979 | $3,081-3.3% | $4,048-26.4% | $4,139-28.0% |
| Admin fee / account holder | $9,370 | $6,500+44.1% | $8,703+7.7% | $7,234+29.5% |