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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 | $118,315 | $46,599+153.9% | $64,101+84.6% | $75,173+57.4% |
| Participation rate | 63.6% | 65.9%-2.3pp | 72.3%-8.7pp | 67.2%-3.6pp |
| Annual return | 17.52% | 26.06%-8.5pp | 33.72%-16.2pp | 160.72%-143.2pp |
| Employer contribution / active EE | $3,281 | $1,975+66.1% | $2,749+19.4% | $2,671+22.8% |
| Participant deferral / active EE | $2,824 | $2,837-0.5% | $3,881-27.2% | $4,126-31.6% |
| Admin fee / account holder | $619 | $2,956-79.1% | $3,070-79.8% | $5,651-89.0% |