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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 | $177,061 | $118,496+49.4% | $98,461+79.8% | $139,466+27.0% |
| Participation rate | 68.2% | 77.5%-9.3pp | 75.2%-7.0pp | 80.3%-12.2pp |
| Annual return | 17.65% | 18.96%-1.3pp | 21.17%-3.5pp | 373.66%-356.0pp |
| Employer contribution / active EE | $3,064 | $3,611-15.1% | $3,049+0.5% | $4,754-35.6% |
| Participant deferral / active EE | $8,494 | $5,393+57.5% | $4,738+79.3% | $6,712+26.6% |
| Admin fee / account holder | $998 | $14,056-92.9% | $8,961-88.9% | $11,409-91.2% |