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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 | $173,409 | $83,485+107.7% | $125,192+38.5% | $72,975+137.6% |
| Participation rate | 63.2% | 73.3%-10.1pp | 79.8%-16.6pp | 69.5%-6.3pp |
| Annual return | 19.04% | 25.77%-6.7pp | 43.79%-24.8pp | 81.01%-62.0pp |
| Employer contribution / active EE | $868 | $2,346-63.0% | $3,866-77.6% | $2,440-64.4% |
| Participant deferral / active EE | $4,336 | $3,586+20.9% | $4,937-12.2% | $3,608+20.2% |
| Admin fee / account holder | $6,114 | $5,518+10.8% | $9,704-37.0% | $5,124+19.3% |