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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 | $178,657 | $101,795+75.5% | $165,100+8.2% | $80,959+120.7% |
| Participation rate | 66.7% | 71.8%-5.2pp | 78.6%-12.0pp | 67.7%-1.0pp |
| Annual return | 14.06% | 16.73%-2.7pp | 70.21%-56.1pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,796 | $2,954-39.2% | $4,348-58.7% | $2,757-34.8% |
| Participant deferral / active EE | $5,053 | $4,476+12.9% | $6,035-16.3% | $4,300+17.5% |
| Admin fee / account holder | $3,431 | $8,221-58.3% | $12,696-73.0% | $6,925-50.5% |