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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 | $166,540 | $58,057+186.9% | $97,032+71.6% | $86,983+91.5% |
| Participation rate | 57.3% | 60.4%-3.0pp | 71.6%-14.2pp | 69.5%-12.2pp |
| Annual return | 15.15% | 22.26%-7.1pp | 35.38%-20.2pp | 25.83%-10.7pp |
| Employer contribution / active EE | $1,111 | $1,663-33.2% | $2,629-57.7% | $2,584-57.0% |
| Participant deferral / active EE | $3,310 | $3,244+2.0% | $4,672-29.2% | $4,194-21.1% |
| Admin fee / account holder | $4,543 | $4,839-6.1% | $9,418-51.8% | $7,856-42.2% |