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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 | $162,139 | $93,617+73.2% | $135,982+19.2% | $75,177+115.7% |
| Participation rate | 59.3% | 75.2%-15.9pp | 81.9%-22.7pp | 67.2%-7.9pp |
| Annual return | 37.15% | 30.89%+6.3pp | 68.32%-31.2pp | 160.75%-123.6pp |
| Employer contribution / active EE | $2,430 | $3,538-31.3% | $4,859-50.0% | $2,671-9.0% |
| Participant deferral / active EE | $5,875 | $6,406-8.3% | $7,760-24.3% | $4,126+42.4% |
| Admin fee / account holder | $1,147 | $6,980-83.6% | $10,767-89.3% | $5,651-79.7% |