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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 | $156,153 | $76,112+105.2% | $96,534+61.8% | $71,511+118.4% |
| Participation rate | 65.0% | 74.4%-9.4pp | 76.0%-10.9pp | 67.9%-2.9pp |
| Annual return | 16.35% | 22.81%-6.5pp | 25.88%-9.5pp | 28.86%-12.5pp |
| Employer contribution / active EE | $4,135 | $2,248+84.0% | $2,965+39.5% | $2,589+59.7% |
| Participant deferral / active EE | $5,944 | $4,217+41.0% | $4,851+22.5% | $4,291+38.5% |
| Admin fee / account holder | $3,538 | $2,708+30.6% | $8,253-57.1% | $1,588+122.7% |