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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 | $122,522 | $53,774+127.8% | $134,162-8.7% | $79,856+53.4% |
| Participation rate | 65.2% | 58.8%+6.4pp | 72.2%-7.0pp | 69.6%-4.4pp |
| Annual return | 16.67% | 19.01%-2.3pp | 36.35%-19.7pp | 31.71%-15.0pp |
| Employer contribution / active EE | $421 | $1,322-68.2% | $3,705-88.6% | $2,471-83.0% |
| Participant deferral / active EE | $3,002 | $2,420+24.0% | $3,500-14.2% | $3,741-19.8% |
| Admin fee / account holder | $1,395 | $3,985-65.0% | $6,685-79.1% | $5,306-73.7% |