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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 | $144,963 | $72,273+100.6% | $101,275+43.1% | $79,856+81.5% |
| Participation rate | 59.7% | 68.5%-8.8pp | 75.8%-16.1pp | 69.6%-10.0pp |
| Annual return | 19.22% | 22.30%-3.1pp | 46.48%-27.3pp | 31.71%-12.5pp |
| Employer contribution / active EE | $1,532 | $2,691-43.1% | $3,660-58.1% | $2,471-38.0% |
| Participant deferral / active EE | $3,350 | $3,282+2.1% | $4,371-23.4% | $3,741-10.4% |
| Admin fee / account holder | $9,578 | $4,401+117.6% | $5,948+61.0% | $5,306+80.5% |