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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 | $176,588 | $81,476+116.7% | $102,383+72.5% | $80,925+118.2% |
| Participation rate | 59.7% | 66.8%-7.1pp | 74.5%-14.8pp | 67.7%-8.0pp |
| Annual return | 20.26% | 25.59%-5.3pp | 24.94%-4.7pp | 35.65%-15.4pp |
| Employer contribution / active EE | $2,063 | $3,105-33.6% | $3,870-46.7% | $2,756-25.2% |
| Participant deferral / active EE | $4,961 | $3,871+28.2% | $5,060-2.0% | $4,299+15.4% |
| Admin fee / account holder | $411 | $6,717-93.9% | $8,391-95.1% | $6,940-94.1% |