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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 | $151,151 | $93,589+61.5% | $135,942+11.2% | $75,181+101.1% |
| Participation rate | 24.5% | 75.2%-50.7pp | 81.9%-57.4pp | 67.2%-42.7pp |
| Annual return | 18.45% | 30.90%-12.5pp | 68.28%-49.8pp | 160.69%-142.2pp |
| Employer contribution / active EE | $2,870 | $3,537-18.9% | $4,858-40.9% | $2,671+7.5% |
| Participant deferral / active EE | $4,678 | $6,405-27.0% | $7,759-39.7% | $4,126+13.4% |
| Admin fee / account holder | $342 | $6,977-95.1% | $10,764-96.8% | $5,650-94.0% |