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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 | $171,254 | $83,485+105.1% | $125,192+36.8% | $72,975+134.7% |
| Participation rate | 56.8% | 73.3%-16.5pp | 79.8%-23.0pp | 69.5%-12.7pp |
| Annual return | 25.53% | 25.77%-0.2pp | 43.79%-18.3pp | 81.01%-55.5pp |
| Employer contribution / active EE | $2,012 | $2,346-14.2% | $3,866-48.0% | $2,440-17.6% |
| Participant deferral / active EE | $4,596 | $3,586+28.2% | $4,937-6.9% | $3,608+27.4% |
| Admin fee / account holder | $487 | $5,518-91.2% | $9,704-95.0% | $5,124-90.5% |