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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 | $172,546 | $89,259+93.3% | $107,187+61.0% | $82,637+108.8% |
| Participation rate | 58.7% | 67.9%-9.2pp | 75.0%-16.3pp | 68.1%-9.3pp |
| Annual return | 16.16% | 21.02%-4.9pp | 204.55%-188.4pp | 53.51%-37.3pp |
| Employer contribution / active EE | $1,969 | $3,080-36.1% | $3,782-47.9% | $2,552-22.8% |
| Participant deferral / active EE | $5,482 | $4,037+35.8% | $5,096+7.6% | $4,126+32.9% |
| Admin fee / account holder | $5,387 | $7,381-27.0% | $9,162-41.2% | $7,339-26.6% |