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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 | $171,394 | $114,712+49.4% | $173,730-1.3% | $87,485+95.9% |
| Participation rate | 58.8% | 73.0%-14.2pp | 79.6%-20.7pp | 68.9%-10.1pp |
| Annual return | 18.29% | 20.18%-1.9pp | 19.96%-1.7pp | 26.06%-7.8pp |
| Employer contribution / active EE | $1,178 | $2,904-59.4% | $4,577-74.3% | $2,596-54.6% |
| Participant deferral / active EE | $5,044 | $4,642+8.7% | $6,326-20.3% | $4,274+18.0% |
| Admin fee / account holder | $5,276 | $10,210-48.3% | $17,523-69.9% | $7,775-32.1% |