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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 | $76,834+98.0% | $108,359+40.4% | $87,485+73.9% |
| Participation rate | 64.4% | 61.7%+2.7pp | 70.1%-5.7pp | 68.9%-4.5pp |
| Annual return | 18.14% | 19.09%-0.9pp | 36.89%-18.8pp | 26.06%-7.9pp |
| Employer contribution / active EE | $930 | $1,556-40.2% | $2,399-61.2% | $2,596-64.2% |
| Participant deferral / active EE | $2,979 | $3,100-3.9% | $4,137-28.0% | $4,274-30.3% |
| Admin fee / account holder | $9,370 | $6,537+43.3% | $9,741-3.8% | $7,775+20.5% |