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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 | $83,898+81.3% | $133,346+14.1% | $94,015+61.8% |
| Participation rate | 64.4% | 63.4%+1.0pp | 72.8%-8.5pp | 70.8%-6.4pp |
| Annual return | 18.14% | 16.00%+2.1pp | 36.85%-18.7pp | 17.84%+0.3pp |
| Employer contribution / active EE | $930 | $1,821-48.9% | $2,853-67.4% | $2,790-66.7% |
| Participant deferral / active EE | $2,979 | $3,245-8.2% | $4,332-31.2% | $4,249-29.9% |
| Admin fee / account holder | $9,370 | $7,809+20.0% | $14,264-34.3% | $8,951+4.7% |