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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 | $142,855 | $72,269+97.7% | $101,271+41.1% | $79,852+78.9% |
| Participation rate | 64.7% | 68.5%-3.8pp | 75.8%-11.1pp | 69.6%-4.9pp |
| Annual return | 13.28% | 22.29%-9.0pp | 46.48%-33.2pp | 31.72%-18.4pp |
| Employer contribution / active EE | $1,579 | $2,692-41.3% | $3,660-56.9% | $2,471-36.1% |
| Participant deferral / active EE | $4,703 | $3,282+43.3% | $4,371+7.6% | $3,740+25.7% |
| Admin fee / account holder | $1,054 | $4,401-76.0% | $5,948-82.3% | $5,306-80.1% |